
Class. 
Book_ 






Copyright^ . 



COPYRIGHT DEPOSIT. 



RUBICAM 
DICTATION STUDIES 



AS DEVELOPED AND TAUGHT 
TX THE 

RUBICAM SHORTHAND COLLEGE 

ST. LOUIS, MO. 



PUBLISHED BY 

W. L. MUSIOK PUBLISHING COMPANY 

ST. LOUIS, MO., U. S. A. 



Copyright, 1911 

by 

RUBICAM SHORTHAND COLLEGE 

St. Louis, Mo., U. S. A. 



All rights reserved. 



GCLA295412 



LUMBER 



RUBICAM DICTATION STUDIES 



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LUMBER 5 

1 
Dear Sir : — 

We have on hand at one of our pole yards the follow- 
ing Cypress Poles which we wish to dispose of: 
Peeled Cypress Poles, 300 | 35' 7" top. 
" 300 35' 8" " 
If you can use them, let us hear | from you promptly. 
We are in a position to make reasonably prompt 
shipment of all lengths and sizes in Cedar and Cypress. 
We are making | a specialty of street railway ties of all 
kinds, both Sawed and Hewn, and have several thousand 
6x8-7 Mxd. Oak Hewn | ties ready to ship. 

Let us have your inquiries and we shall be pleased 
to name you the very lowest prices. 

Yours truly, (123) 



2 

Gentlemen : — 

In addition to the large regular stock of Lumber and 
Building material which we handle in our yard, we have 
on hand at all times | about 40,000 Standard Oak Railroad 
Ties, also Oak Switch Ties, Long Leaf Yellow Pine 
timbers, etc. If at any time you are needing Ties | or 
Timbers for immediate repairs for your track we will be 
pleased to supply your needs. 

It is often a source of much delay and | financial loss 
to await the railroad's convenience to make necessary 
repairs to your tracks, and aside from this, their charge 
for doing such work is | considerably more than it could 
be done by yourself, if you had the necessary materials, 

We shall be pleased to have your inquiries for any- 
thing I in this line and will take pleasure in naming our 
lowest prices. 

Yours truly, (139) 



6 RUBICAM DICTATION STUDIES 

3 
Gentlemen : — 

We acknowledge receipt of your letter of the 3rd 
ordering two cars of lumber. 

We have entered your order for one carload of bevel- 
ed siding | from l/i n stock, Common (X) grade, and will 
ship it as soon as we can get an empty box car to our | 
yard and loaded. 

The entire lot of the 1 X A> ,f Common flooring has been 
sold, your letter reaching us too late. Some of | it goes to 
your town to other firms, and the remainder to a large 
cotton mill in upper South Carolina. We have on hand 
the | following: 

1 Carload Common Siding, bevelea, 

resawed, from 1/^" stock. 

2 Cars from 1" stock. 

We will offer this material to | you at the prices 
named you in our last letter, subject to prior sale. If you 
want it, you may -wire us at our expense; | and we advise 
you to do so at once, for there are others after it, and if 
they order before you, they will be entitled | to it. 

All the above mentioned stuff has been in our sheds 
for some time and is thoroughly dry, and the only reason 
we have | for offering it at reduced prices is that we want 
to use the storage place for other purposes. After this 
lot is sold, no more | can be had at the same price, for 
lumber is going to advance rapidly in a short time. 
Business has been very good and we I are now about two 
weeks behind in our regular orders. Owing to these 
facts, we are very sorry that we cannot give you an 
option | on any of the above specified material. 

Respectfully, (3 o8) 



LUMBER 7 

4 
Gentlemen : — 

In reply to yours of August 9th, we beg to quote 
you on 56 pes. 64 ft. Piling 8" tops, Cypress, a price of | 
25/^ per linear foot, f. o. b. cars Peoria. We realize 
this is very long Piling and hard to get. 

Can ship | same within 30 days, if we receive the 
order at once. 

Yours truly, (63) 



5 
Gentlemen: — 

We are in position to load 5 or 6 carloads of 5x7x7 

White Oak Sawed Ties, and quote you a price | of 5^ 

f. o. b. cars Des Moines. We can load at once four cars 

of these, and the other two within a couple j of weeks. 

Can quote 48^ on hewn stock. 

Yours truly, ( 6 i) 



6 
Dear Sir :— 

We can furnish you during the next six months with 
20,000 Red Oak 6x8x8 and 10,000 White Oak Ties j 6x8x8. 
These Ties will be within one hundred miles of St. Louis 
and we can make the following prices f. o. b. | cars load- 
ing point: 

No. 1 White Oak 49^ 
No. 1 Red Oak 38^ 
If you can use any of these, we shall be | glad to 
hear from you. We can also furnish Piling, Poles, 
Bridge Timbers, Crossing Plank, according to any speci- 
fication ordered. 

Yours very | truly, don 



8 RUBICAM DICTATION STUDIES 

7 
Gentlemen: — 

We can quote you the following prices on props 
f. o. b. cars Springfield, 111., as per your inquiry of the 
23rd: 

8' ....103^ 

9 1 - 12#^ 

10' 13 #^ 

On 5^ ! Ties 4x5, hewn on two sides, we | can quote you 
a price of 90 f. o. b. cars Springfield. 

As to the White Oak Lumber, we have an unlimited 
supply, and | if you will send us sizes and specifications, 
we shall be glad to quote you. 

Yours truly, 02) 



8 

Dear Sir: — 

Enclosed herewith letter from the Hooker Timber 
Co. in connection with a contract, which they executed 
Nov. 31, 1899, for a Spur track put in | at Arcadia. They 
advise us that as they have abandoned operations at that 
point, they would like this Company to release them from 
the obligation of | the contract, and have the Spur track 
taken up, if the Company does not wish to use it for 
other purposes. 

Will you kindly arrange | for same. 

Yours truly, (79) 



9 

Gentlemen : — 

Referring to the above numbered orders, your 
numbers 388 and 403, Exchange numbers 5045-50 and 
5327-30, and confirming our conversation with | your Mr. 



LUMBER 9 

Smith this morning, we will ask that you withhold ship- 
ment for the present on all the No. 4 boards which you 
are reserving | for us. We are not in a position to handle 
this stock as fast as you are shipping it, and we trust it 
will not | inconvenience you to hold this stock for us for 
thirty days, or until we advise you to resume shipment. 
Respectfully, (45) 



10 

Gentlemen : — 

If you are using crating lumber or box shooks, we 
can sell at a very low figure, considering market conditions. 

Owing to the financial | and other disturbances in 
the mill districts during the past six months, the visible 
supply of lumber is materially reduced. We would 
advise that you | arrange to cover your needs before the 
car shortage becomes acute. 

Give us a list of your specifications and let us quote 
you prices. 

Respectfully, | (75) 



11 

Gentlemen : — - 

We want to call your attention to the fact that we 
are making a specialty of Gum and Yellow Pine Box 
Shooks and Crating. 

We I can make you such attractive prices that we 
know you will be interested in them. If you will let us 
know your requirements we shall | be glad to quote you. 

Trusting that we may have the pleasure of hearing 
from you, we are, 

Respectfully, (89) 



10 RUBICAM DICTATION STUDIES 

12 
Dear Sir:— 

I hand you herewith tissue copy of lists of lumber 
invoices sent at various times to offices under your con- 
trol for approval, and voucher which | has not been 
returned to date, with the request that instructions be 
issued to have lumber invoices handled more promptly 
in the future. I have | recently received a number of 
complaints from shippers, relative to delays in settlement 
of their invoices. 

I am compelled to ask for co-operation, with the | 
above end in view. 

Yours truly, (8i) 



13 
Dear Sir : — 

We are starting up operations in Indiana and are 
desirous of finding some competent company or man who 
is acquainted with the steam railroads and | interurbans 
of Indiana and Ohio, to secure business for us. Thinking 
that, with your acquaintance in that territory, you may 
have orders for ties and other | railroad material which 
you cannot fill, and which we may be in position to cover, 
we shall be glad to hear from you. 

If you | think you can get much business in this line, 
we can probably form some mutually satisfactory 
arrangement. 

Yours truly, (94) 



14 
Dear Sir : — 

Answering yours of the 14th, we herewith enclose 
requisition for material for which we are in the market, 
for shipment within the next three or | four weeks. 



LUMBER 11 

Kindly advise how many carloads of this you can 
furnish. We believe you quoted us a price of $15.00 
per M, f. | o. b. cars Kansas City, Mo. As soon as we 
hear from you favorably, we may send you an order. 

The material must be shipped | subject to inspection 
at destination, as it would not pay us to send an inspector 
for a car or two. 

Yours truly, (97) 



15 
Gentlemen : — 

Answering your inquiry of Feb. 14th for Cedar Poles, 
beg to state that we are not in position to quote you on 
Cedar Poles, | but quote you below on Cypress. 

We are mailing you under separate cover a folder 
on Cypress, which may be of interest to you. 

In I case you desire some other delivery for these 
poles, we shall be very glad to make same. We can 
quote you f. o. b. cars | Memphis as follows: 
30 ft. 6" top $1.75 per pole 
35 ft. 6" " 2.20 
Kindly let us know | as soon as possible whether 
these prices are in line. 

Yours truly, (112 ) 



16 
To The Trader- 
Kindly look over the list of hardwood lumber we 
enclose. This stock is dry, strictly graded, and runs good 
widths and lengths with the exception | of our 5/4 hard 
maple, which is a nice lot of clean lumber, but does not 
run wide. Our log-run elm is a | choice lot of genuine 
Northern Michigan soft gray elm, running practically No. 



12 RUBICAM DICTATION STUDIES 



1 common and better, containing a very small percentage 
of No. 2 common. | We have a large quantity of good 
No. 3 common Michigan birch, which is excellent lumber 
for factory or crating purposes. 

We can make prompt | shipment of any stock shown, 

and shall be glad to name you prices if you are interested. 

Yours very truly, (120) 

17 
Gentlemen : — 

We have been sending you our stock sheets, specials, 
etc., from time to time, with the hope of establishing a 
business relationship | with you, which would be profit- 
able to us both. 

We have a decided advantage over most lumber 
yards in that we carry a complete line | here in St. Louis 
of all kinds of building material, such as Yellow and 
White Pine boards, dimensions, siding, finish, also Maple 
and Oak flooring, | etc. We also carry a large quantity 
of millwork, and all kinds of hardwood. In this way we 
can load our cars from our | own yards at short notice. 

We can also ship small lots, if you do not need as 
much as a carload at a time, and | we should like to 
receive your inquiries when you are in the market. 

Call us up by long distance phone should you be in 
a I special hurry for any material. We can load the same 
day order is received. 

Respectfully, (165) 

18 
Mr. J. B. Stone, 

Springfield, Mo. 
Dear Sir : — 

In reference to your letter of Dec. 6th regarding 
switch ties on our requisition No. 682, of Oct. 8th, nine 






LUMBER 



IS 



sets have been shipped. I have | written the parties who 
have the order to hurry the balance out and to advise me 
from what points they will load. On account of | change 
from the Old Specification Switch Ties to the New 
Specification Switch Ties, and to the holding up on 
placing orders for new | Specification Switch Ties, the 
switch tie situation is in very bad shape. However, I am 
doing everything possible to get a supply of switch ties | 
on hand. Will keep this particular requisition, and will 
try to get them ready for shipment at the earliest date 
possible. Of course, you understand | that when they 
are ready for shipment Mr. W. R. Hooper, Tie and 
Timber Inspector, will attend to the inspection, loading, 
and shipment of all | switch ties. 

Yours truly, (154) 



19 

Mr. Walter Knight, 

Baltimore, Md. 
Dear Sir : — 

A great many mills are shut down, and do not ex- 
pect to resume work until higher prices prevail: hence we 
urge you to grasp this | opportunity that we offer: 



700,000 feet 
100,000 " 
75,000 " 
200,000 " 
100,000 " 



inch Cypress 



Gum. 



The Gum will be sold log run, or on grade if you | desire, 
and the Cypress on grade only. This stock has been cut 
and on sticks for several months, and is in excellent 
condition. 

Let us | hear from you, giving us a list of your 
requirements for the next six months or more, and we 



14 RUBICAM DICTATION STUDIES 



shall take pleasure in quoting you | lowest delivered 
prices. 

Respectfully, (104) 

20 
Eau Claire Lumber Co., 

Leavenworth, Kan. 
Gentlemen : 

Replying to your valued favor of the 17th, beg to 
state that we are unable to quote you on random shingles. 
The shingles which we | quoted you under date of the 
14th are all we have to offer. 

In regard to the lK"x5" and | 6" Cypress, 14' and 16', 
we are pleased to quote you this material at $44.50 and 
the 4" No. 1 Square Cypress Pickets at $26.00. 

We do not handle Y. P. flooring, but we | have about 
5,000' of 1x4 Y. P. Strips, which we could run to Flooring 
for you at $30.00 per M | feet. All the above prices are 
f. o. b. cars your city. 

In regard to the Y. P. Flooring wish to state that 
we would I ship you all stock regardless of grade. That 
is, we would guarantee the grade to be B and Btr., but 
would not sort the flat | or edge grain, or any of the upper 
grades. This you could do if you desired. 

Thanking you for your inquiry and hoping to be | 
favored with your valued order, we are, 

Yours very truly, (210) 



21 

Graham Lumber Co., 

Memphis, Tenn. 
Gentlemen : — 

We have your favor of Feb. 16th, for which we 
thank you, and desire to quote you the following prices 



LUMBER 15 

£ o. b. cars Omaha, | Neb. These prices are subject to 
prior sale and immediate acceptance only: 
101,000 Standard Oak Ties 65^ 
2,000 35" 6" Cypress Poles $3.10 

We shall have to get some figures on the treatment 
of Cypress Poles and Yellow Pine Ties before we | can 
quote you on same, the price varying according to the kind 
of treatment you desire. 

For the Poles we would recommend wood preserver 
treatment, | which the Western Union and Telephone 
Companies are using to a great extent. We can get you 
data on this which we think will | convince you that 
this treatment is a very good one. 

In regard to the Bridge Timbers, Switch Ties and 
Plank, the price depends somewhat on | the specifications, 
and as soon as you are in the market for these, we shall 
be very glad to take the matter up with you | further. 
The market on all of this material has been going up 
lately, and it will be advisable to place orders as soon 
as possible | in order to take advantage of the lowest 
figures. 

Yours truly, (211) 



22 
Mr. Chas. T. Behrens, 

Pur. Agt., M. K. & T. Ry., 
St. Louis, Mo. 
Dear Sir : — 

As per your letter of Dec. 4th, below please find list 
of contracts now in effect: 

Contract No. 5072, between the Mack Timber Co. 
and | Overland R. R. Co. and Rock Hill R. R. for furnish- 
ing across ties, expiring December 31, 19 , unless 

renewed by mutual agreement. 



16 RUBICAM DICTATION STUDIES 

Contract No. 4992, | between the Mack Timber Co. 
and the Blue River Ry. for furnishing across ties, expir- 
ing Dec. 31, 19 

Contract No. 5684, between Ed. Blakie and | the 
Black Creek R. R. for furnishing engine wood, expiring 
Dec. 31, 19 

Contract No. 5511, between D. Hill and the Overland 
R. R.Co. | for furnishing across ties, expiring Dec. 31, 19 .... 

Contract No. 5483, between the Buck Timber Co. 
and the Blue River R. R. Co. for furnishing | wood, ex- 
piring Dec. 31, 19 

There are no contracts which have been in effect 
during the year 1910 that have expired. 

The only arrangement for | material purchased 
which approaches a standing arrangement is on the switch 
tie question, as I have established a price per linear foot, 
which is paid | to the various parties who are in position 
to furnish ties. 

Yours truly, (i 92 ) 



GRAJN 



GRAIN 19 

GRAIN 

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GRAIN 21 

23 

Gentlemen : — 

Today we received your car No. 58934 Wabash, 
inspecting No. 3 white oats fair quality, and we sold 
same at 4l|/2^ delivered elevator, | Merchants' Exchange 
weights, top price we could realize. This will probably 
be a little disappointing to you, as the market is Vl$ to 
1^ | lower today under weight of increased receipts and 
in line with the break in corn; at the decline, however, 
there was a very good demand, which | leaves the market 
in good shape for tomorrow's business. 

Price Current enclosed will give you detailed report 
of the market. 

Yours truly, (97) 

24 
Gentlemen : — 

We have yours of the 9th in reference to your con- 
tracts No. 384 and No. 558. We will keep these contracts 
on file so that | we can refer to them at any time. Will 
look into the rates from both points and figure out about 
what this meal will cost | us delivered St. Louis. 

If the Hutchinson meal proves to be choice and the 
cars run uniform, we shall have no trouble disposing of 
it I East, as the Eastern trade demands a strictly choice 
meal. Local trade will take almost anything you offer 
them, provided you" get the price down | low enough. 

As soon as we can dispose of this meal "will make 
returns to you along the lines suggested. 

Yours very truly, (122) 

25 
Gentlemen : — 

Herewith returns on oats, car No. 6665 New York 
Central, all papers attached. You will note overcharge 
in freight basis unloading weights, | but as your elevator 



22 RUB1CAM DICTATION STUDIES 

loading weight is 48,000 lbs., you will probably want to 
file claim for loss in transit, and it will be | necessary for 
you to have the expense bill; accordingly, we did not 
enter it for refund in freight. Condition of this car shows 
apparently O. K. | on arriving, as well as at the elevator; 
and while there is no evidence of leak, it is possible it 
may have been broken | into in transit and repaired 
before arrival. 

Market shows heavy excepting on good quality No. 
2 corn, which sold at yesterday's price, namely 59V2^> 
choice 59%^. It will take some outside demand to main- 
tain the present level; No. 3 corn exceedingly dull. 

The Price Current enclosed | will give you market 
in full. 

Yours, (157) 

26 

Gentlemen : — 

On the puts we had sold for you, we today bought 
for your account 5,000 bushels July wheat at 99%^ and 
so | notified you, and, as per your instructions, we bought 
a put on May wheat and sold a call as per enclosed 
memorandum. 

Yours very | truly, (51) 



27 
Gentlemen: — 

Subject to your wire acceptance and our confirmation, 
we are pleased to offer you good, clean winter wheat bran 
in 100-pound sacks for prompt | or January shipment at 
$26.85 Pittsburg basis, including your commission of 
$3.00 per car. Will be glad to hear from you if | you 
can work any business at this figure. 

Yours very truly, ei) 



GRAIN 23 

28 
Gentlemen: — 

We confirm purchase from you today, as follows: 
25,000 bushels sample No. 3 white corn, 60^ f. o. b. 
elevator, your weights and | grade final, to be loaded in 
L. & N. cars, billed John Smith & Co., East St. Louis 
destination. 

It is part of this contract | that none of this corn is 
to be loaded before Monday of next week. 

Yours truly, (66) 

29 

Gentlemen : — 

In confirmation of our telephone message of today, 
we sold for your account one car of No. 2 white St. 
Charles at 77^ ' per bushel, track St. Louis. Load 
40,000 pounds in this car and bill it to the Safety Ware- 
house and Elevator Co., East St. Louis, | 111., via the 
Southern Railroad. 

We hope sale is satisfactory. 

Yours truly, (62) 

30 
Dear Sir : — 

Your car oats 26439 I. C. in today and graded 
"Sample Grade", and we sold same by sample at 50^ 
per bushel net track. | The price obtained was the most 
that could be brought out on these oats, as they were 
very poor, with too many small grains. | 

Very truly yours, (53) 

31 
Gentlemen: — 

We today sold your car wheat 31909 C. P. graded 
red, testing 58!/2 pounds, at $1.10 per bushel switched 






24 RUBICAM DICTATION STUDIES 

elevator this side, St. j Louis weights. This was the 
very most obtainable on account of the great number of 
mowburned grains in the car. We trust sale is satis- 
factory. | 

Referring to the enclosed for full and complete de- 
tails of today's market and awaiting your further favors, 
we remain, 

Yours truly, (7D 



32 

Gentlemen: — 

Again referring to your favor of the 3rd inst. relative 
to sacks : We have checked the memorandum with our 
books and find that the | only difference seems to be in 
the lot of 600 sacks shipped us on Aug. 23rd. This is 
the lot of sacks which the | railroad did not deliver us 
and about which we wrote you several times. 

We have filed claim against the railroad company 
for the loss of | these sacks for your account, and we 
have charged these sacks to your account, as per enclosed 
bill. We think this better than to allow | the account to 
remain open longer, earning sack hire. 

Yours truly, (in) 



33 

Gentlemen : — 

We have your favor of the 10th and are sorry that 
we are unable to offer any wheat at your figure. The 
very best we j can do on today's market will be $1.52 
f. o. b. track East St. Louis, St. Louis official weights 
and grades. There is | a much better demand for Kaffir 
in the last few days, and we are looking forward to a 
healthy reaction. The large shippers are | bidding $1.17 
to $1.18 for 100-lb. bran. We are making sales to nearby 



GRAIN 25 

points on a basis of $25.40 for good bran in new sacks. 
Let us hear from you at any time, as we would like very 
much to do business with | you. 

Yours very truly, (129) 

34 
Gentlemen: — 

Referring to letter next attached under date of the 
17th from the Hobart Mill & Elevator Co. We presume 
we shall have to make some | settlement with these 
people, so kindly advise on what basis we are to render 
account sales. We wrote you several days ago along 
this same | line, but up to the present have not heard 
from you. 

You might explain to them that we were under the 
impression that you had I already paid for the car of 
millet seed or we would not have drawn back on them 
for the car of oats. We cannot | do anything until we 
hear from you, so please advise as soon as possible. 
Yours very truly, (117) 

35 

Gentlemen : — 

On basis today's market we can quote you good 
winter wheat bran in 100-lb. sacks at $1.30 per hundred, 
and hard wheat mixed feed at $1.31 per hundred. | We 
can offer you soft wheat mixed feed in 100-lb. sacks for 
February shipment at $1.34 per hundred. We have 
one I car of milo maize at $1.75 in bulk and No. 2 Kaffir 
corn at $1.70 in bulk. The above prices | are all delivered 
Toledo. 

We shall be glad to hear from you by wire if you 

are interested, and we trust that we may have | the 

pleasure of some business with you in the near future. 

Yours truly, (113) 



26 RUBICAP4 DICTATION STUDIES 



36 

Gentlemen : — 

We have yours of the 12th, also sample of your 
mill run bran. We shall be pleased to have your best 
offer on 5 to | 10 cars of bran to run equal to this sample, 
put up in new 100-lb. sacks, March shipment. Also 
would like to have a | sample of wheat screenings if you 
have any to offer. Quote basis group one. 

Yours very truly, (67) 

37 

Gentlemen : — 

The car of barley we sold for you to one of our local 
makers was refused by the buyer this morning on 
account of same | not running like sample. We went 
down and looked at this car, and found it was much 
trashier, with more wheat in the car, than | original car 
showed. We were able to make the buyer take this 
car, however, though at a difference of 1^ per bushel. 
We hope | this will meet with your approval. 

Our cash markets here today are a little stronger on 
cash grain, principally on account of receipts being small, | 
and we look for higher prices the latter part of this week, 
as we do not expect to see very large receipts. 

Awaiting your further | favors, we remain, 

Very cordially yours, (i82) 



38 
Dear Sir : — 

As per instructions of your Mr. Smith, we today 
bought for your account at the opening 25,000 May wheat 
at $1.09. Mr. Smith also gave us an order to buy 40,000 
May corn at 65^, but we did not understand him to say 
that | this was an open order. On that account we 



GRAIN 27 

have canceled the order and await your further pleasure. 
Of course, if it is your intention | that this be kept as an 
open order, you can telephone us tomorrow morning 
ana we shall be glad to book the order as such. | 

Yours truly, (102) 

39 

Gentlemen : — 

Your car wheat 17789 M. & O. received on the east 
side today graded 3 red. There were two kinds of wheat 
in the car. ! About % of the wheat tested 57 pounds and 
was badly damaged. The balance of the wheat, on top 
and center, was very nice | wheat and tested 57^/2 
pounds. We sold the car round at $1.21 per bushel 
switched, which was the very highest obtainable | and 
we trust meets your full approval. 

We refer you to the enclosed Price Current for full 
and complete details of today's market. 

Yours very | truly, (51) 



40 

Gentlemen : — 

Your telegram received and we wired you im- 
mediately that it is impossible to buy Kaffir on this 
market. We understood this morning that Kemper at | 
Kansas City was offering Kaffir at $1.53 St. Louis, but 
on taking it up with him, he advises he has paid as | 
high as $1.47 Kansas City today. He also states he is 
bidding $1.10 Kansas City for all the bran | he can get 
hold of. We sold a car of bran here today that came 
from the Miller Milling Co. on track at $1.20. 

There | is a very good demand for Kaffir in this 
market. We could easily obtain $1.55 today. 

Yours truly, (121) 



28 RUBICAM DICTATION STUDIES 

41 

Gentlemen : — 

We received today from the Howard Grain Co. of 
Kansas City an inspection certificate on our car No. 12198. 
We understand that this car was shipped | from Hooker 
on Jan. 21st and arrived in Kansas City on the 27th. 
Although the car was in transit only six days, it inspect- 
ed | heating at Kansas City on arrival. This no doubt 
accounts for its being in such inferior condition when it 
arrived in St. Louis. We regret | that you "were not 
advised as to its condition -when it arrived in Kansas 
City, so that you could have arranged to have it unload- 
ed | there at a very small loss. 

We are still working on the car, but it will be a few 
days before it will be entirely | cooled off and in shape 
for us to offer for sale. We are attaching herewith the 
certificate from the Kansas City Inspection Department 
that | was sent us by Howard Grain Co. 

Yours truly, (159) 

42 
Gentlemen : — 

We had in today your car of wheat No. 125171 S. 
F., grading No. 2 red, testing 59 lbs., and sold same at 
95|/2^ delivered to elevator St. Louis. This was a very 
nice car of wheat, but owing to the light test and general 
absence of buyers, | we were unable to secure a better 
price. Some No. 2 red wheat sold as high as 96 Vlfi on 
destination terms, but these | are times when we deem 
it unwise to sell wheat to go beyond the city limits. 

The futures opened very weak this morning at 91%^ 
for December, but closed about 20 higher, mainly on the 
improved condition of Wall St., and the working of some 
export business | here and at the coast. 

We doubt if the advance will hold, but on any re- 



GRAIN 



29 



cession we believe our December a purchase, for the 
reason | that receipts are going to fall off, and outbound 
lines are furnishing cars now to take wheat out of 
elevator, so that our stock | will decrease rapidly from 
now on. 

Very truly yours, 089) 



43 
Dear Sir : — 

Referring to your car wheat 3 1909 C. B. & Q., of which 
we advised sale Saturday. The buyer resampled the 
car and this morning j early reported a rejection on it. 
That is, the resample drew more red grains than the 
original sample showed. He would not take it at | any 
price, so we had to cancel the sale. We have been 
working all day on this car trying to resell it, but so far I 
have not been able to get anything like a reasonable bid 
on it. The market for this kind of wheat at present is 
very quiet | and prices irregular. We will keep working 
on it and sell it to the best possible advantage just as 
soon as we can. This wheat | is badly mowburned and, 
of course, such wheat is a slow sale, and it may take some 
days to work it off at anything like | a reasonable price. 

Awaiting your further favors, we remain, 

Yours truly, (1313) 



44 
Richmond Milling Co., 

Richmond, Va. 
Gentlemen : — 

Have yours of the 2 2d and note same. We have 
offered millet seed to several parties in the East at $2.50 
f. I o. b. St. Louis, offer being subject to prior sale. We 
will not dispose of this car until we hear further from 



30 RUBICAM DICTATION STUDIES 

you. We I simply sent out the quotations to get a line 
on what the East was doing. Our markets are off about 
a cent a bushel on | both wheat and corn. 

There seems to be very little doing among all the 
grain houses, and we know that there is not so ! very 
much going on in feed. 

We sold one car of bran to one of the local dealers 
at $1.22 and two cars at $1.2l!£; also sold a car of Kaffir 
to go East to net us 60 %c a hundred St. ] Louis. 

Yours very truly, (154) 

45 
Mr. Jno. R. Winston, 

Laredo, Texas. 
Dear Sir :— 

Your car wheat 6963 C. C. C. & St. L. received on 
the east side today graded 2 red, testing 59 pounds. We 
sold same | by sample on track at $1.25 per bushel 
switched, which was the most obtainable, and we trust 
meets your full approval. 

Receipts | of wheat today were moderate at 68,000 
bushels, demand limited. Soft winter one cent a bushel 
lower; hard winter half to one cent lower. Receipts | of 
corn moderate at 88,975 bushels; market firm on 4 corn 
and 4 white corn, easier on 3 corn and 3 white corn, 
demand ] slow. Receipts of oats liberal at 105,600 bush- 
els; demand dull; market lower. 

Awaiting your further favors, -we remain, 

Yours very truly, (122) 

46 

Messrs. Wheeler & Colton, 

Mobile, Ala. 
Gentlemen : — 

In accordance with our letter of yesterday, we enclose 
memorandum purchase of one car very fancy No. 2 red 



GRAIN 31 

at $1,101/2; also one car No. 2 red, 58 1 /2-1d. test, at 
$1.08!/2, both track East St. Louis. Your mill weights 
shipments will f be rushed forward. This confirms our 
phone conversation, as well as exchange of wires. While 
you were offered No. 2 red at $1.07, | under no condition 
could this have been country run wheat from this market; 
there is quite a little wheat in the elevator, which is held 
on I basis of the May option, and with a continued weak- 
ness. There is wheat here which was bought last 
September for mill account. These same people | have 
carried the wheat in elevator, subject to elevator storage, 
interest, insurance, etc., expecting their requirements to 
necessitate owning this wheat, in which they have | been 
disappointed by reason of the extraordinarily dull con- 
dition prevailing all over the milling country. Some of 
them now are selling out this wheat and | in several 
instances buying some hard wheat for mixing with it, so 
as to reduce the prices somewhat. I feel confident, 
however, none of the , wheat that you could buy from 
any elevator would equal in quality the wheat you getting 
today. Samples under separate cover for your in- 
spection. I 

Yours truly, (227) 



47 

Graham Grain Co., 

Los Angeles, Cal. 
Gentlemen : — 

We enclose debit memorandum covering charges on 
the 15,000 bushels of Burlington wheat. There is one 
item which we regret, and that | is the last one of storage 
on the 5,000 lot, where the amount is $237.50. You were 
caught for one extra | day on this receipt, and we used 
every argument we could to try to get the elevator 



32 RUBICAM DICTATION STUDIES 



company to waive this one day, but | without avail. 
They thought we were very ungrateful, claiming that we 
had stolen cars from other orders to fill this one, and, con- 
trary to their | rules, they had coopered these cars instead 
of sending them back for the railroads to cooper. The 
warehouse receipt in question 'was dated July 27th, | 
and you will notice on our invoice of the 27th of September 
that you were credited with $112.50, the accrued storage 
up | to that date. 

Today's market was very weak and dull, closing 2^ 
lower for the day. Lower cables at the opening of the 
liquidation | of December in all markets were the main 
features; also there is a noticeable lack of buying power, 
which leaves the market at the mercy | of the seller. 

Our local banks talk f very hopefully tonight, and 
claim that they have passed the worst in the financial 
disturbance, which we | trust may prove correct. It 
will take the grain trade, however, some little time to 
recover from the jolt it has received. 

Very truly yours, (250) 



Eddy Elevator Co., 48 

Pittsburg, Pa. 
Gentlemen: — 

Herewith returns on oats, car No. 66650 Wabash, 
all papers attached. You will note overcharge in freight 
basis unloading weights, but as your elevator loading | 
weight is 48,000 lbs., you will probably want to file claim 
for loss in transit, and it will be necessary for you to 
have the | expense bill; accordingly we did not enter it 
for refund freight. This car was apparently in good 
condition on arriving, as well as at the elevator; | and 
while there is no evidence of leak, it is possible it may have 
been bumped into in transit and repaired before arrival. 



GRAIN S3 

Market | prices today were high excepting on good 
quality No. 2 corn, -which sold at yesterday's price, 
namely 59 1 /2^, choice 59%^. | It will take some out- 
side demand to maintain the present level; No. 3 corn 
exceedingly dull. 

The Price Current enclosed will give the market in | 
full. If we can be of further service to you, command us. 
Yours truly, (164. 






MISCELLANEOUS 



MISCELLANEOUS 37 



MISCELLANEOUS. 



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38 RUBICAM DICTATION STUDIES 



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MISCELLANEOUS 39 

49 
Dear Sir : — 

We have your favor of the 31st inst., acknowledging 
receipt of the mortgage in the loan No. 2945. We note 
what you say about | the coupon on the debenture bond 
No. 11, Series A. It will be perfectly satisfactory to us 
to wait until the lady returns. We join with you in 
hoping that you will be able to sell her some securities 
when she delivers the coupons. 

The latter part of last week we wrote | that we 
would try to send you the remainder of the papers in the 
Smith & Clapp loans by today 

We shall not | be able to do so. They will probably 
be sent you about Wednesday, 

Very respectfully, (ug) 

50 
Dear Sir : — 

We enclose herewith a satisfaction of the mortgage 
given to us by Thomas S. Jones, recorded in Book 16, 
on page three hundred and two, | also a satisfaction of 
mortgage given to us by the .same party, recorded in 
Book sixteen, on page three hundred and four. Please 
place these | on record, and when recorded send or 
deliver them to the First National Bank of your city. 
Enclosed find our New York draft No. 666 | for one 
dollar in payment of your fees. 

Respectfully, (83) 

51 
Dear Madam: — 

Five years ago we made you a loan on the N. W. 

quarter of Section 31, Township 114, and Range 71. You 

paid us | no interest on this loan, and we placed our 



40 RUBICAM DICTATION STUDIES 



mortgage in the hands of attorneys for foreclosure. The 
time of redemption of this foreclosure has | almost ex- 
pired, and we write you to learn what you intend to do 
with the land. If you have any desire to keep it, we 
shall | be willing to renew the five hundred dollar mort- 
gage and take a second mortgage for all the past due in- 
terest, taxes, costs, etc. | We can give you sufficient 
time to pay this second mortgage, so that the payments 
will not be hard for you to make. If you | do not intend 
to keep the land, you had better accept a few dollars and 
give us the deed to the same, rather than get | nothing. 
Please let us hear from you at once, stating what you 
will be willing to do. 

Very respectfully, d69) 



52 
Dear Sir : — 

We received yesterday the deeds of trust from the 
Recorder, but I "was away from the office all day, and I 
learned that we | are to sell the first, or larger deed, to a 
party who accepted today. I shall probably, therefore, 
not confer with you any further about | the matter for 
Mr. Brown, unless our client should change his mind and 
not take the loan. 

Yours truly, (63) 



53 
Gentlemen : — 

We have an offer of $17.00 per foot for the 25 foot 
lot on the west side of Minnesota Ave., 75 feet | north 
of Kansas St., and directly opposite the church and school. 
We have been holding this property at $18.00 per | foot 
for years and have never received an offer of more than 



MISCELLANEOUS 



41 



$14.00. I am, therefore, in favor of accepting the above | 
mentioned offer. The property is assessed at only $8.00 
per foot. It is known as lot No. 21, City Block 2951. 
Please | let me have your answer by return mail or 
telephone. 

Yours truly, (112) 



54 
Dear Sir :— 

We presume you wish to have Mrs. Blossom's taxes 
paid this year in time to secure the 8% rebate granted 
by the city on | its portion of the taxes, which portion is 
about two-thirds of the whole; this rebate is granted 
only if the taxes are paid during | the month of September. 
The gross amount this year is $503.94. We calculate 
that the rebate will amount to about $26.87, leaving 
$477.07 to pay, to which is to be added the Sprinkling 
Tax, which is a Special Tax, on which | no rebate is 
given. This makes a total of $491.74 net. 

If you will send us your check about August 30th 
for I $250.00, we shall have sufficient from the August 
collections to pay the tax and take advantage of the rebate 
on the first day \ of September. 

Yours truly, (154) 



55 
Dear Sir : — 

In November, 1899, we sent you a list of lands in 
your county on which we have mortgages, asking you 
to buy them in at | the tax sale, unless the taxes were 
paid before the sale day. In that list was the Kemper 
land; namely, the N. E. quarter of | the S. E. quarter; 
the S. W. quarter of the S. E. quarter; and the S. E. 



42 RUBICAM DICTATION STUDIES 



quarter of the S. W. quarter of Section | 25, Township 
90, Range 28. 

We are now informed that the land was sold for the 
taxes of 1898 to Mr. Call of your | city, and that the sale 
has not been heard from. Will you please look this up, 
and if possible get an assignment 1 of the certificate of 
this company? We have not as yet looked up your 
report for that year's tax business, but think you must 
have reported no sale. | 

Yours truly, (152) 



56 
Dear Sir:— 

I herewith enclose statement for three months end- 
ing August 1st, with all vouchers, showing a balance 
of $385.15. My intention was to use this balance in pay- 
ing the Seminary's taxes due September 1st, thereby 
securing a rebate of 8 % per annum on the city's portion. 
The entire General | Tax, when paid last year in October, 
was $553.75; assuming that it would be about the same 
this year, and knowing that | the city's portion is about 
two-thirds, $369.15, 8% from September 1st to December 
31st, four months, would amount to $9.84. 

However, if you prefer that I send you a check for 
balance as shown, $385.15, please reply to that | effect 
by return mail. 

Yours truly, ( i3D 



57 
Sirs :— 

Perhaps you have enough funds on hand to make 
the following loan, which I consider first-class: For 
$3,500, 3 years at | 5% on 419 S. 15th St., 8 room brick 



MISCELLANEOUS 43 



dwelling, lot 25x150. About two years ago I sold it 
twice within one | month for $6500 and $7500. 

It is in the railroad district, and the railroads have 
now bought the Leaf property on the | south side of 
Spruce St.; there is therefore little doubt that they will 
continue to buy northward until they reach Clark at least. 

Yours truly, | Cioo) 



58 
Dear Sir : — 

Replying to your favor of the 22 nd, enclosing the 
letter you received from Mrs. H. Stone, I beg to say that 
there is no truth | whatever in her assertion that some- 
body in our office informed either her or her husband 
that we did not have charge of the property | for sale. 
I have considered myself your sole agent for the sale of the 
property, not for the rent collections, ever since the day 
you | bought it; and I have never told anybody that we 
did not have it for sale, although I have said to several 
persons that the | rents were being collected by Mrs. 
Clark, a friend or relative of your family. 

I am willing to allow Mrs. Clark some of the com- 
mission | in the present sale, and I have no doubt that I 
can satisfy her on that point. 

The deed of trust reserves you the right | to pay it off 
at any time. You have the privilege of taking up the 
whole loan but not part, by paying all accrued interest | 
and three months' advance interest. I expect Mr. Stone 
to call for the title tomorrow. 

Yours truly, (192 ) 



44 RUBICAM DICTATION STUDIES 



59 
Dear Sir : — 

According to promise, I herewith enclose per regis- 
tered letter the complete set of papers connected with the 
D. W. & A. Brown $1000 | loan on 842 Chatham Ave., 
a new 5 room frame house with concrete foundation, 
granitoid cellar floor, etc. The papers are itemized as | 
follows: The Title Guaranty Trust Co's Title to the 
whole of lot No. 5 in Block 4 of Page Avenue Heights, on 
the east half | of which lot stands the new house, 422 
Chatham Ave., on which the enclosed papers are of first 
mortgage, as shown in | the second paragraph of the 
certificate of title; also principal note of said Browns for 
$1000, dated March 28, 1910, | and their six semi-annual 
interest notes of the same date for $30.00 each; also 
deed of trust recorded in Book 248, | page 538, in the 
office of the Recorder of Deeds; also Fire Insurance Policy 
for $1500, expiring in April, | 1913, and Tornado Policy 
for $600, expiring at the same time; also the joint bond of 
Do W. & I A. Brown and this firm to protect you against 
any Mechanics' Liens. As we have had charge of the 
payment of all bills for labor | and material, there is no 
possibility whatever of any liens of any sort. 

The accrued interest for one month and nineteen 
days to May 17th, | the day you accepted the loan, is 
$8.15. We 'will therefore thank you to let us have your 
check for i $1008.15 by return mail. 

In conclusion we may add that we collect all interest 
for our clients who lend money 'without | making any 
charge fordoing same; so, if you will send us each interest 
note about two weeks before maturity, we will notify 
the owner | at once so that the notes will be paid prompt- 
ly on March 28th and September 28th of each year. 

Hoping to have further business with | you, 

Respectfully yours, (353) 



MISCELLANEOUS 45 



60 
Dear Sir : — 

Referring to yours of the 31st ult., giving inside 
measurement of safe destroyed by fire at Gilmore, Mo., 
Dec. 19th, and suggesting that | safe of about same size 
as those stored at our Union Depot warehouse, will 
answer the purpose at Gilmore; we have at the Depot, 
in | charge of purchasing Agent Hutchison, safes as 
folio ws: 

Hull's Safe No. 60609, formerly at Detroit, Mich., 
inside measurement 2lxl6 1 /2xl5". 

Hull's | Fire Proof Safe No. 68941, formerly in use 
at Denver, Colo., inside measurement 19x13x12". 

Lipton Co., Safe No. 1907, formerly | in use at San 
Francisco, Cal., inside measurement 14x10x10". 

You might look over these safes and select the one 
you | think most suitable for Gilmore, advising me, when 
I will authorize transfer. 

Yours truly, (140 ) 



61 

Gentlemen: — 

Replying to your esteemed favor of the 23rd inst., 
we are pleased to quote you the following discounts from 
Eastern list in page 30 of | catalogue mailed you under 
separate cover, on our Standard No. 1 sewer pipe and 
fittings, in carloads, f. o. b. our works, freight allowed to | 
Anderson, breakage in transit at purchaser's risk: 
3 to 24 inch 77% discount 
27 and 30 " 68% 
33 " 36 " 56% 
We herewith quote prices on our several grades of 
fire brick, in carloads, 40,000 minimum, f. o. b. Anderson: 



46 RUBICAM DICTATION STUDIES 



Acme fire brick, square and shapes $31.80 per 1000 
Three Star " " " 20.80 " " 

Extra " " " 26.80 " " 

St. Louis No. 1 " " " 22.80 " " 

Terms, 60 days net, or 2 % off bill after deduction of 
freight, for cash in fifteen days from date of invoice. 

Trusting that you will I see your way clear to favor 
us with at least a share of your business on basis of these 
figures, we beg to remain, 

Very | truly yours, (177) 

62 
Dear Sir:— 

Your order given Mr. Brown has had our careful 
attention, and goods have been forwarded. 

We regret to state we are temporarily out of and | 
obliged to omit the 1 dozen Ladies' Embroidered Hand- 
kerchiefs at $2.15. 

We are out of the India Linen at 9 1 /2^> | and unable 
to buy a good quality, and rather than disappoint you 
we have sent you a Longfold Batiste at 9|/2^j which we | 
hope will be satisfactory. 

Hoping the goods will reach you promptly, and 
thanking you for the order, we are, 

Yours very truly, (97) 

63 
Gentlemen : — 

We gave your representative an order April 12th 
for Bias Seam Tape, both in Cambric and Lawn, but as 
yet we have received no invoice | from you for same. 
We are entirely out of the sizes ordered and would like 
to know when you intend to ship same. 

Kindly advise | us by return mail why you have not 
shipped the above, and when you will ship order. 

Yours respectfully, (69) 



MISCELLANEOUS 



47 



64 
Gentlemen : — 

We are in receipt of your valued order of recent 
date, through our Mr. Forest, -wherein you order No. 443 
Suit Case in 22 inch. The | factory has discontinued 
making this size, as it was not a good seller, and we have 
taken the liberty of sending you this case in | size 24 at 
slight advance, rather than disappoint you by not sending 
any. 

Trusting our action in this matter will meet with 
your approval, | we remain, 

Yours respectfully, (79) 



65 
Dear Sir : — 

We are in receipt of an order from you for one 
Percolator at $8.75. We are very sorry that we are out 
of this | number at present, and have substituted a cheaper 
number, which is exactly the same grade, only with a 
plain pattern instead of the Colonial pattern. | 

Yours respectfully, (52) 



66 
Dear Sir : — 

We are in receipt of your favor of the first regarding 
the circulars displaying your No. 24 Watch assortment. 
We had originally intended to send out | 20,000 of these 
circulars with our General Catalogue, but we find it will 
be impossible for us to do this. 

Kindly change the quantity | of these circulars from 
20,000 to 5,000 and ship them to us with the goods and 
without the discount printed on them. 

Yours | truly, (76) 



48 RUBICAM DICTATION STUDIES 



67 

Gentlemen : — 

We are in receipt of the goods that you returned to 
us April 2 2d, and notice you state on the bottom of your 
letter that | goods were not as bought. In this connec- 
tion 'would like to state that we notice you have returned 
12 dozen No. 1326 Trimming | at 75^ per dozen, 24 dozen 
No. 1325 at 75^ per dozen, and 24 dozen No. 1323 at 
37 1 /i^ I per dozen. We are at a loss to understand why 
you return these goods, as the order was filled exactly 
as Mr. Armstrong sent it | in. It stated very plainly 
two boxes each of these three numbers, and on his sample 
card it states very plainly that there are 12 | pieces of 12 
yards each to the box. We also notice you return */2 
dozen Ladies' Neckwear. We find on looking this up 
that Mr. ' Armstrong's order stated very plainly No. 5531 
!/2 dozen at $2.75. The Tablets and Examination Blanks 
were also filled just as ordered. In fact, | we notice that 
you have kept a part of each number, as the order called 
for 5 dozen of each of these, and you have | only returned 
2 dozen of one and 3 dozen of the other. 

We do not know why these goods should have been 
returned, and we | should be very much pleased to hear 
from you as to just why you found it necessary to return 
this merchandise. 

Yours respectfully, (248) 



68 
Dear Sir : — 

The Mail Order department is, as a rule, conducted 
to solicit in competition, not to co-operate, with the 
salesman. We desire herewith to call your | attention 
to the fact that our Mail Order department is so operated 



MISCELLANEOUS 49 



as to work hand in hand with our representative in the 
handling of | orders from his trade. 

You probably prefer for personal reasons to place 
your valued orders through our representative; but 
cases may occur when it is | impossible to communicate 
as promptly as necessary with him. In the event of 
such an emergency we desire you to know that orders 
transmitted by I mail will not only be handled with the 
same interest, accuracy and promptness as they receive 
through our representative, but that such orders will be | 
actually credited to him, as though placed with him in 
person. 

The benefit of our lowest prices will be given you; 
we will make shipment | from the most advantageous 
point, and if not equipped at the time to handle your orders 
on a satisfactory basis, we will candidly explain our I 
position. 

We take this opportunity of expressing our apprecia- 
tion of your many past favors, and feel assured that our 
constant effort to devise methods for | improving our 
service in supplying you with standard quality goods 
will appeal to you. 

Yours truly, (216) 

69 
Mrs. Alfred Moberly, 

New York City. 
Dear Madam : — 

We are closing out a very large shipment of fine 
Imported Woolens. We have some of the most exclusive 
Scotch, English, French and German styles, | all made 
of the finest materials, soft and hard finish, in the most 
beautiful effects. For the next sixty days we will sell 
any length | you desire at wholesale prices. 

We call your attention to our beautiful Scotch goods, 



50 RUBICAM DICTATION STUDIES 



also our Heather mixtures, and all the new shades we 
are | showing in English Cheviots and delicate French 
and German effects. Our English goods are made from 
the wool of the Southdown sheep, which is the | longest 
and finest in the world. Nothing like these woolens has 
ever been shown in this country. 

Yours very truly, (120) 



70 

Standard Hardware Co., 

Keokuk, Iowa. 
Dear Sir : — 

Through the courtesy of your people, we have the 
pleasure of calling your personal attention to some of the 
features of the Spartan Grey Enameled | Ware which 
we offer through you in our various assortments. 

The necessity for a dealer's handling Enameled 
Ware is so obvious that there is possibly | no need of 
commenting on that feature of the distribution of these 
goods, but the advantages of high-grade Grey Ware as 
against any other | color are not so apparent. We 
therefore call your attention to the fact that the coat 
which results in the Grey Enamel color is the | most 
elastic that it is possible to make. The expansion and 
contraction of the coat is almost in perfect harmony 
with that of the steel | base on which it is placed, and 
the life of a vessel enameled with a Grey Coat is con- 
sequently much longer. The reason for enameling ! a 
vessel is naturally to protect the fruits and vegetables 
from the action of their acids on the steel base, and 
necessarily the longer the | enameled coat holds to the 
base the longer the purpose for which Enameled Ware 
is intended is accomplished. Grey Ware is very hard 
to make ( because of the contingent presence of fish scales 






MISCELLANEOUS 51 



or pin-head fractures, and in eliminating these from our 
Spartan Ware, we offer the best line of goods of the 
kind on the market. Spartan Ware is single coat for 
the reason that the more Enamel is put on a vessel the | 
greater is the likelihood of chipping because of the slow 
expansion and contraction of the coat as against the rapid 
action of the base. 

In | instances where the customer concerned is not 
handling enameled ware, it is then desirable to dwell 
upon the margin of profit that is afforded him | as between 
the price which is made on these assortments by your 
firm and the reasonable selling prices that are noted on 
the circulars. All | of the items in this assortment being 
staple, the buyer runs no chance of not selling them, and 
can pick up this additional business and | extra margin 
with practically no effort. 

It will afford us a great deal of pleasure to be of 
service to you in connection with the | matter whenever 
you may wish to call on us. 

With best wishes for your success, we remain, 

Yours truly, (399) 

71 
Missouri Hardware Co., 
1516 Manchester Rd., 
St. Louis. 
Gentlemen: — 

This refers to your valued mail order of the 29th 
inst:, for 

1 Set Locks No. WD 6576 l/2/OB 
IV2 prs. hinges | to match above size, 4x6 
We beg to advise you that we are unable to furnish 
either of the above items from stock | and have turned 
through your order to be shipped direct from factory, by 



52 RUBICAM DICTATION STUDIES 

express. We are also requesting the factory to make as 
prompt | shipment as possible. 

Yours truly, (so) 

72 
Bennett Hardware Co., 
6207 Bartmer Ave., 
St. Louis. 
Gentlemen : — 

This refers to your letter of July 27th, asking us to 
send you description and prices on Roller Shelf Ladders. 
We herewith enclose our | catalog page showing the 
different styles and quote you the following prices : — 
Style No. 1 at $11.00 each; 
" No. 6 " 10.00 " 
" No. 15 " 10.00 " 
Ladder Track No. 8 at 20^ per ft. 
" No. 10 " 25^ " " 
" No. 13 " 20^ " " 
" No. 7 " 16^ " " 
f. o. b. St. Louis, no freight allowed. 

You will note from the description that we show 
three different styles which are up-to-date patterns, and 
we trust that you will be | able to make a selection. 
Thanking you for your inquiry, we are, 

Yours truly, dis) 

73 
Easton Hardware Co., 
5501 Easton Ave., 
St. Louis. 
Gentlemen : — 

Your order of the 10th, calling for Burden Horse 
Shoes, was received this morning. We thank you for it. 
Same has been passed through for | shipment and I hope 
the goods "will reach you promptly. 



MISCELLANEOUS 53 



I note particularly what you say in reference to 
sending in an open order. You | can always rely on us 
to see that you are well taken care of in the way of prices. 
I am making you a price | of $3.90 per keg on Burden 
Shoes and this should enable you to use quite a lot of 
them. This is a | special. 

I appreciate the business you have given us in the 
past and I am going to try to show you our appreciation 
by taking the | best possible care of you at all times. 
You may rest assured that you will always get a square 
deal at our hands. 

Yours truly, dso) 

74 
Mr. Jno. Hughes, 

1254 N. Kingshighway, 
Chicago, 111. 
Dear Sir : — 

I have been expecting to receive an order from you for 
some of the goods that were shown in the circular that 
we sent you some days | ago. Everything in this circular 
is a bargain and the prices are remarkably low. If you 
can use any of the goods at this late | date the prices are 
still open to you. It will pay you well to make up your 
order now for such goods as you can | use. It will help 
you increase your profits. 

If you are ready to place your order for Ice Cream 
Freezers, Refrigerators, Base Ball Goods, Fishing | 
Tackle, Screen Doors, Screen Windows, Wire Cloth and 
goods of this nature, we would be glad to receive it. 
We have a very large and | complete stock and can make 
shipment of anything that you may be needing. 

We hope to have the pleasure of hearing from you 

frequently, and | with kindest regards, beg to remain, 

Yours truly, (?83) 



54 RUBICAM DICTATION STUDIES 



75 
Mr. Geo. H. Jones, 

Baltimore, Md. 
Dear Sir : — ■ 

When the slump came in silver several years ago, 
many mines around Georgetown that were heavy pro- 
ducers of silver closed down. There was one among | 
these which already had a drift on it of 400 ft., from 
which ore was shipped that brought $1.00 per lb. 
They are now beginning | to open up for business again. 
The property was put in shape for selling when the 
slump came, and for years it has remained idle ' until 
within the last few months. 

Many of the wealthiest men of Colorado today 
made great money in and around Georgetown. This 
district has been | as large a producer as any. 

A drift 73 ft. long was made on the vein and a winze 
6 ft. deep was sunk on | it, when a streak of ore from 
18 to 22 in. in width was found, the whole of which 
averaged $234.00. Further work shows | this same ore- 
body at the end of the drift, where it is 19 in. 'wide, and 
contains as high grade ore as in the | winze. Assays 
run from 500 to 1,100 ounces in silver; but the entire 
vein runs $234.00. 

The enterprise is just being put on its | feet. In fact, 
the organization has not yet been completed, because we 
wish to have those who are now buying stock come in 
as charter | members and assist us in the organization, 
and we desire some of them to become members of the 
board of directors — a ground-floor proposition, | pure 
and simple. 

We are offering 250,000 shares of stock at 10^ a 
share. The proceeds from this amount of stock will put 
the | property on a paying basis. Those who buy of this 



MISCELLANEOUS 55 



250,000 shares will be Preferred Stockholders, inasmuch 
as they will receive back all the j money they have paid 
for their stock from the first net earnings of the Com- 
pany, before anyone else receives a dollar. From pres- 
ent indications this could | be done within six months 
after organization. I make this statement positively, 
because the ore is opened up and shows well in three 
levels that | have been driven on this vein, which are in 
all about 500 to 600 ft, apart. Every 200 ft. below the 
third level other levels | will be driven in until we get 
to the bottom of the mountain, where a depth of be- 
tween 1,000 and 1,100 ft. will be obtained | on the vein. 
We absolutely have the ore in three of the levels, and, 
while the smelting ore is never wider than 2 ft., still it | 
is of a very high grade. 

If you are at all interested in such a proposition as 
this, I should be very glad to hear | from you. 

Yours truly, (454) 



RAILROAD 



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RAILROAD 61 

76 
Dear Sir : — 

Kindly advise me whether we had any outstanding 
order with car manufacturers for freight cars during the 
last six months of the | year 1910; if so, how many and 
of what class. 

If you know, kindly advise me whether it was 
possible, during the | last six months of 1910, for car 
manufacturers to accept orders for the building of freight 
cars; or, if you | can, kindly advise for what time before 
January, 1910, the full capacity of all the freight car shops 
in the country was | engaged. 

Yours truly, (103) 

11 
Dear Sir: — 

I give you with this a slip for Armour Refrigerator 
Car No. 1776, made out at Fort Smith Crossing, sending 
car to Memphis. 

This car belongs to the | Choctaw at Nashville, and 
I should be glad if you would make an investigation of 
this car and see if there is any reason why the | person 
making these slips should not pay the excess and un- 
necessary mileage. 

For your information I may add that I have been 
trying for a I year to break up the practice of shipping 
foreign cars indiscriminately all over the system; but I 
have so far failed to accomplish very | much, and I am 
now starting out on a plan of making the parties at fault 
pay the mileage. I can see no other way I to overcome 
the trouble. 

Yours truly, (131) 

78 
Dear Sir: — 

Referring to your letter of August 8th, which is in 
reply to my letter of July 29th, File D-72, returning your 



62 RUBICAM DICTATION STUDIES 

exchange advices dated | July 10th and 17th, covering 
ticket, Kansas City to Asheville, N. C, Form Exch. 6616, 
No. 2291, issued in | June, 1910, on which you requested 
advance information regarding revenue to be reported 
your company. 

While we appreciate your position in wanting | us 
to supply your Accounting Department with the divisions 
in the month in which the orders are honored, yet we do 
not consider that the burden of | securing advance in- 
formation should rest on our company, simply because 
the exchange orders are drawn on one of our agents. 

You can readily understand | that in each individual 
case it would be necessary to take up such items with 
the line drawing the exchange orders, asking for full in- 
formation, | route of ticket, rate at which sold, amount 
to be reported your company, etc.; | and if the amount 
is not sufficient to cover the transaction, it would 
necessarily mean that we write again asking for additional 
information, which | would not only delay information 
desired by you, but also cause needless delay in cor- 
respondence in our office. The resolution bearing on this 
point was | adopted by the Association of the American 
Railway Accounting Officers, of which your road is a 
party. Enclosed please find copy. 

Yours truly, (248) 



79 

Gentlemen : — 

Shipment checked short at destination. I am en- 
closing my complete file. Please continue the trace 
with a view to having us promptly advised as | to 
settlement of the claim. 

Yours truly, (32) 



RAILROAD 63 

80 

Gentlemen : — 

You made shipments to this consignee on Oct. 27th 
and Nov. 30th. One of these shipments was delivered. 
Which shipment have you filed claim | on, and what 
papers are in your possession to support that claim? 
Delivery of both shipments is claimed. Please send us 
all papers you may | have on file, and we will endeavor 
to adjust the matter very quickly. 

Yours truly, (66) 

81 
Dear Sir: — 

Will you please secure from the Cudahy Packing Co. 
the papers you returned to them with your letter of 
April 28th, and return the claim | for voucher? 

Yours truly, (29) 

82 
Dear Sir : — 

You will note that the shipment has been returned 
and delivery has been shown to the Southern Railway 
at St. Louis. Inasmuch as the | shipment has left our 
rails, would suggest that you conduct the balance of the 
investigation in order to close our records. 

Yours truly, (4 8) 

83 

Dear Sir :— 

I desire that every surplus Cotton Belt car of every 
class and description be kept clear of St. Louis yards. 

Mr. Jones will please | see that all this surplus 
equipment is sent out daily, reserving only enough to be 
sent to the house the following day. 



64 RUBICAM DICTATION STUDIES 

Mr. Warren will | please see that the cars are not 
allowed to accumulate in transit, but are promptly 
moved to junction with the Cotton Belt. 

Yours truly, (74) 

84 
Dear Sir :— 

All papers in above numbered claim were sent to 
you Dec. 6th, your number 515. Am advised by Auditor 
that credit of | 340 has been allowed you. Please return 
relief card and all papers to this office and see that this 
amount is dropped from | your report. 

Yours truly, ( 54 > 



85 
Dear Sir : — 

I understand that you have made a verbal re- 
quest that all the Arkansas Midland mileage be worked 
in my office, commencing with the first of July. | Beg 
to call your attention to the fact that I have not re- 
ceived any orders regarding the Arkansas Midland ac- 
counts, nor am I receiving any | Conductors' reports or 
other information upon which I can work up statistics 
for you. 

Yours truly, (66) 

86 

Dear Sir : — 

Our coal car supply in the Coal Hill and Jenny Lind 
districts is not as heavy as it should be, and it requires 
constant pushing | to keep cars enough in this territory 
to run the mines. In order that our car supply may be 



RAILROAD 65 

increased as much as possible, you | will discontinue 
using coal cars for the handling of timber and lumber 
which can be handled on flats, and at all times when you 
can I supply flats. 

Do not consider this an arbitrary order that coal 
cars must not be used, but use them just as little as 
possible. 

Yours | truly, doi) 

87 
Dear Sir : — 

I return herewith your voucher 4322 for 2,000 fence 
posts, in favor of N. J. Gray, of St. Louis, Mo., amount 
$66.00, for cancellation. | Please bear in mind that fence 
posts are vouchered exclusively by this department and 
are taken up in my Monthly Cross Tie Account. In 
the ! future, when handling invoices for fence posts, please 
approve and forward them direct to me; for which you 
will receive a regular Department Bill. Bill | covering 
invoice in question will be rendered for November 
account, as it is now too late to | take it up in October. 
Yours truly, (99) 

88 
Dear Sir : — 

Have seen your letters of July 15th and 20th to Mr. 
Smith regarding the coal supply. 

Our only object in curtailing the use of our | cars is 
to help out the lumber men. If the lumber men would 
only co-operate with us in the car handling, the matter 
would be I greatly simplified, and our supply would be 
considerably larger in the fall, -when cars are in greatest 
demand. 

Trusting you will give this your immediate | at- 
tention, we are, 

Yours truly, (80) 



33 RUBICAM DICTATION STUDIES 

89 
Dear Sir : — 

I understood you to say a few days ago that you 
had contracted for a large amount of hay on the Cotton 
Belt. Can you say at this time where it will go, and 
how much of it will go to our line? 

I simply ask to enable | me to figure on a possible 
car supply for it. If you are going to move it in the 
near future, I should like to know | about how much we 
are going to handle, and where it will go. 

Yours truly, (90) 



90 

Gentlemen : — 

I write you relative to your claim No. 46926. I beg 
to advise that I have at last located the original receipt 
we took for | the shipment from the Express Co's dray- 
man, Mr. W. Smith. I have the receipt on file in this 
office, and it is open for inspection | at any time. I 
would suggest that you take it up with your customers 
at Madison, and I will forward all papers to our | agent 
at that town, who will allow your customers and the 
drayman to examine the receipt we hold. This action, 
I think, will enable you | to make collection of the 
amount of your claim from either the drayman or the 
customers. 

Yours truly, (118) 



91 

Gentlemen: — 

Confirming our wire this morning in answer to 
yours of even date, we wish to state that we are tracing 
the cars through to | Fort Smith and have also placed 



RAILROAD 67 

the tracing of these cars in the hands of the Maintenance 
Engineer of the Burlington, | who gives us his assurance 
of quick delivery. 

We have no doubt that the cars will reach Fort 
Smith within the next day or so, | if they have not al- 
ready arrived. 

Regarding order for Fayetteville, we have taken up 
the matter of shipment with the mill, and have urged 
them | to get the stock out at once. 

Respectfully, (108) 

92 

Gentlemen: — 

In reply to yours of recent date, will say that the 
mere fact that the St. L. B. & M. issued a circular pro- 
mulgating their requirements | should not have any 
weight, or warrant that company in holding out for an 
arbitrary amount on this class of business, as, in our 
opinion, | the connecting lines should have been consulted 
and the matter submitted to them, since they are in- 
terested more than the St. L. B. & M. | Ry. 

Inasmuch as we and the majority of lines from this 
territory have made all divisions on the principle outlined 
in this letter, we | will abide by this principle until some 
other definite basis has been agreed upon. 

An early reply will be appreciated, 

Yours truly, (123) 

93 
Dear Sir : — 

It is unnecessary for me to call your attention to 
the extraordinarily low rates which have prevailed in 
Arkansas during the past few years, | and to the large 
loss in revenue suffered by the railway companies by 



68 RUBICAM DICTATION STUDIES 



the reduction of passenger rate of fare from 3 cents to 
2 | cents per mile. Added to this, unwise and unneces- 
sary legislation has imposed burdens upon the operation 
of this railway in the State of Arkansas, which | has 
resulted in an unfavorable showing. 

As a consequence of these inadequate rates, and 
of the attitude of the public, expressed through its laws, 
the | credit of this and other railways in the state has 
been injured to such an extent that it has been impos- 
sible to enlist capital | in any further investment in rail- 
way properties in that state; nor will such investments 
be made until a change is manifested in conditions. 

Yours | truly, q 5 i) 

94 
Dear Sir : 

Your favor of the 6th inst., enclosing copy of 
Resolutions passed by the Helena Board of Trade on 
February 25, 1909, concerning the situation | at Helena, 
was brought to my attention this morning. 

There is no room for difference of opinion in this 
matter. The passenger station at Helena | is neither 
commodious nor suitable for a city of the size and im- 
portance of Helena, and I know that there are needed, not 
only a | passenger station, but also other facilities to 
provide adequately for the satisfactory and economical 
handling of business done at that point. Such improve- 
ments have been deferred | only because of the lack of 
means to make them. 

Very truly yours, ms) 

95 
Dear Sir : 

Referring to your letter of the 24th ult., addressed 
to Messrs. Corey, Cole, Swift, and the undersigned, on 



RAILROAD 69 

the subject of the companies at | Chicago applying 
Section "A" rates to shipment of empty paper bags for- 
warded by Gleason & Co. from Chicago; because of the 
fact that these bags | bear an advertisement, in which 
you call attention to the fact that the bags go to grocers 
as premiums, under paragraph eight of Section | A they 
are not entitled to the rates provided for advertising 
matter that cannot be put to any other use than that of 
advertisements. 

I | have taken the matter up "with our Chicago 
Agency and am advised that we are not applying mer- 
chandise rates on these shipments from Gleason & | Co. 
Yours truly, (128) 



96 
Dear Sir :— 

At a conference held in my office this morning con- 
cerning the semi-monthly payment of wages under the 
Arkansas law, it was the opinion of | the Legal Depart- 
ment that train employes having their homes in other 
States and heretofore paid in other States, but who run 
into Arkansas | and back to their homes, are not subject 
to this Act. 

All employes, however, who have their homes in 
Arkansas and run into other States | and return to their 
Arkansas homes, or who have their homes in the State 
of Arkansas, are subject to this Act and must be paid | 
semi-monthly. 

It is not desirable that the semi-monthly payments 
be made to any persons except those provided for by the 
law, the Company's position | on this matter being that 



70 RUBICAM DICTATION STUDIES 

the payment of wages will be made once each month; 
and it pays the employes coming within the law | of 
Arkansas twice each month, because it is forced to do 
so. 

Yours truly, q 6 4) 



97 
Gentlemen : — 

We are having considerable correspondence with 
the St. L., B. & M. Ry. relative to division of maximum 
Homeseeker's rates to points on their line. | The gen- 
eral consensus of opinion is and has been that these 
rates should divide on mileage, taking into consideration 
the same arbitraries that would be | considered in a 
division of the regular one-way rate. 

"We recently received Correction Sheets from the 
St. L., B. & M., also their Circular | No. 1, showing divis- 
ion requirements, wherein they show that round trip 
arbitraries are to be considered in dividing these rates. 
This, however, is contrary to | all recognized bases of 
division, as it has always been our understanding that 
where the round trip rate is less than the one-way 
rate, | one-way arbitraries only should be taken into 
consideration. 

Yours truly, (135) 



98 

Gentlemen :— 

We enclose herewith copy of letter under date of 
July 23rd. In the month of June your Agent at Los 
Angeles "EE" issued tickets, Form 13 P Exc. | No. 
1022 with 89 P Exc. No. 502 to Chicago and return at 
through rate of $77.50, and | Form X 13 P Exc. No. 



RAILROAD 71 

1068 with 89 P Exc. No. 547 to Saratoga and return at 
through | rate of $94.95. In your June 1905 report you 
allowed this Company $11.25 on each | ticket. 

In your statement of corrections for the month of 
March you deducted $1.50 per ticket, leaving us a net 
amount of $39.79 | per ticket. In order that we may be 
in a position to properly adjust that matter, would ask 
that you kindly furnish us complete route of | your 
tickets, construction of through rate, basis of division, 
and amount accruing to each line interested. The mat- 
ter appears to have resolved itself into a question of 
division of a rate from Los Angeles to Chicago and 
return; that is, $77.50, which was subsequently reduced 
to | $76.00. We are unable to account for the reduction, 
and as a matter of policy, if you are unable to furnish 
the information requested, it will be agreeable | to this 
Company to cancel this item. 

Let us hear from you immediately. 

Yours truly, (240) 



99 
Dear Sir : 

It would appear that in the past there has been 
some understanding among our local people that, when- 
ever a wreck occurred due entirely to T. I & P. engines, 
or to cars of the T. & P. handled by their engines, the 
T. & P. picked it up free of expense | to our Company; 
when the fault for wreck rested with the Iron Mountain 
we cleared it without expense to the T. & P. 

There appears to | be no authority for such arrange- 
ment and same is in direct conflict with a clause in the 



72 RUBICAM DICTATION STUDIES 

agreement of March 30th, 1888, | between the two 
companies, which provides: 

"All concealed losses to property and also 
all damages to cars, also all personal injuries 
occurring under the supervision | and hand- 
ling of joint employes, shall be paid for by 
the parties hereto on the specific percent- 
ages, half and half. The employes of either 
company | will only be considered joint 
employes when their work is confined 
within the limits of the joint stations and 
yards." 
The papers show that those I portions of the bills 
covering wrecks at Texarkana refer to wrecks in the joint 
yard only. Such being the case, these bills should be 
returned | to the Texas & Pacific to be corrected to basis 
of half and half. 

Yours truly, (216) 



100 
Gentlemen : — 

It must be apparent to you that if we open the 
door now to load our cars to all points in the United 
States, three | months later we shall have just so many 
cars less in our possession. You know that cars going 
off the road at this time will | not come back until long 
after the shortage is over. 

If the lumber men would only keep our Superin- 
tendents' offices informed of the orders given | them, it 
would help us out. But I must say that we have so far 
been unable to get this information, and it is out | of the 
question for us to furnish our equipment to all points, as 
that would mean a depleted car service in a short time. | 



RAILROAD 73 

The method of handling our car orders also leads 
to confusion and duplication of orders and delay. In 
this particular case you may take | the matter up with 
the Wabash Road, but our Meridian office has no order 
from you whatever for 50 Wabash cars. 

Yours truly, (172) 

101 
Dear Sir : — 

Again returning all papers in this file, I do not fully 
understand what is meant by your letter of Jan. 18th. 
The whole contention hinges | on the fact that the ship- 
pers claim to have abundant evidence that agent failed 
to notify the consignee that the goods had reached 
destination after j Sept. 3rd. It is true they acknowledge 
receipt of card on the 26th, but state that prior to the 
receipt of that notice they had | duplicated the shipment 
on the wire order of consignee. Would it not be well 
in this case to have agent make affidavit to the effect | 
that he did send a notice to the consignee on Sept. 3rd, 
and thus end the controversy ? If agent can furnish such 
affidavit we are | not responsible for any miscarriage of 
mail. 

I am today writing the shippers recapitulating the 
facts and stating to them that the goods are held | at 
their risk, but I should judge from the tenor of their let- 
ter dated Jan. 6 that it will be necessary for us to get | 
as strong proof as possible in the case. 

Yours truly, (185) 

102 

Gentlemen : — 

On January 27, 1908, a complaint was filed with the 
Railroad Commission, signed by a great number of 
merchants, professional, and traveling men, and others 






74 RUBICAM DICTATION STUDIES 

having I in the course of their business frequent and 
practically daily occasion to use the service of the defend- 
ant, to the effect that the train service | furnished for pas- 
sengers by the said Railroad Company is inefficient, in- 
adequate, and not such a service as the public are justly 
and reasonably entitled to | receive. The complaint 
further states that the track is in a dangerous and dis- 
graceful condition, and is unsafe for the operation of trains 
except at a | slow rate of speed. 

The Commission held a hearing in the case at Baton 
Rouge on February 27th, and discussed at length with 
the General Attorney, | the General Superintendent and 
the Chief Engineer the physical condition of this railroad, 
and the plans of the Company for placing it in a | safe 
and satisfactory condition. Since that time the Com- 
mission has had the case under consideration. 

The premises considered, it is ordered that the 
defendant in this case be and is hereby commanded and 
required to thoroughly repair and place in a safe and 
satisfactory condition its entire roadbed, tracks, bridges, | 
and trestles, and such other of its properties as may be 
necessary, by replacing defective material and renewing 
ties and bridge work and rails wherever | the same may 
be necessary. 

By order of the Commission, 

Secretary. (236) 

103 
Dear Sir: — 

We have arranged with the Mound City Car & 
Foundry Company to repair from 30 to 40 of our 
passenger train cars at their St. | Charles plant* to begin 
as soon as we can get the cars to St. Charles. 

The Superintendent of Machinery is now having ex- 
amination made of our | passenger cars in the shops, in 



RAILROAD 75 



order to ascertain what cars we shall have available to 
send to the St. Charles Shops. The St. Charles | Car 
Company can take in at once 25 cars and will return 
nine of these cars repaired within four weeks, after 
which they will take | in nine more and continue to take 
them in until the whole number has been completed — 
taking them in as rapidly as they turn cars | out. 

As the General Agent of the Mail Department 
states he is very much embarrassed in dealing with the 
Post Office Department because of the | fact that we are 
so short of this class of equipment in our service, 
sufficent space not being furnished on some of the com- 
partment runs, I I shall be glad to have Mr. Carney come 
to my office at 10 o'clock tomorrow, Wednesday, the 17th, 
and confer on the selection | of equipment to be sent to 
St. Charles. 

Yours truly, (210) 

104 

Gentlemen : — 

The basis for dividing homeseekers' rates has been a 
bone of contention for a long time, and we take the lib- 
erty of writing to the | lines radiating from St. Louis 
to see if a uniform basis cannot be agreed upon, at least 
by the St. Louis lines. 

Some of the | Texas lines are claiming for increased 
proportions on the Short Line principle, and round trip 
arbitraries via every conceivable route. Were we to 
follow this I principle to its logical conclusion, you can 
readily see what the result would be. In fact, we think 
it would be necessary for some of the selling ! lines to 
bill against some of the intermediate lines, in order to ad- 
just in an amicable way. 

We might add that we had occasion recently | to 
talk this matter over with some of our friendly con- 



76 RUBICAM DICTATION STUDIES 

nections, and it appears that they are having the same 
difficulty; and in their correspondence | it was stated 
that two roads were at variance as to whether the basis 
established by this Company was correct, since the 
companies | stated that their proportion should be es- 
tablished in accordance with their circular. 

Very truly yours, U 9 oJ 



105 
Dear Sir : - 

Referring to Subject No. 2, "Change in Methods of 
Exchange Ticket Accounting," which the Standing 
Committee on Passenger Accounts has recommended 
for adoption: (See report | appearing on pages 137 and 
138.) 

This subject was given very careful consideration, 
and, as a member of the Committee, I had an | opportunity 
of hearing the arguments pro and con regarding adoption of 
new method. One of the strong arguments presented in 
its favor was the fact | that the revenue would, by its 
adoption, be reported in current month instead of sub- 
sequent month, as under the present plan. Another 
point discussed was | whether the carrier collecting the 
revenue through to destination and issuing an exchange 
order should make its own divisions and not call upon 
the road | exchanging ticket to bear the burden of that 
work. In fact, if each carrier would make its own divis- 
ions, we believe there would be | less individual work 
involved than at present, as the arrangement would be 
reciprocal. 

The fact that the Agent for a certain carrier is not | 
supplied with coupon ticket for a given route is not 
sufficient reason why that carrier should not make its 
own divisions. 



RAILROAD 77 

As you no doubt | realize the importance of this 
proposed change, I am writing to request that you give 
he matter your earnest thought and study, with the 
lope | that you will be prepared to vote favorably on 
:he proposition at the approaching meeting. 

Yours truly, (242) 

106 
Mr. A. H. Brown, 

Briscoe, 111. 

Dear Sir : — 

Please note my letter of April 1st enclosing you 
report of inspection made by Commissioners of the 
Missouri Railroad and Warehouse Commission. 

The Chief Engineer | Maintenance of Way has per- 
sonally inspected the ground, and reports that the con- 
iitions have been somewhat exaggerated, and that he 
was not able to find | all of the defects reported by the 
Commission. While there were a number of bolts 
missing in the rail joints, there are at least two | bolts in 
jach rail. The angle bars joining this rail, as well as 
he rail itself, are punched for a six-hole joint, but 
>wing I to lack of necessity for more than four bolts to 
jach joint, and for economical reasons, only four bolts 
lave been applied at each joint and | this has doubtless 
Deen criticised. There are a number of defective switch 
:ies which are marked for renewal during current year, 
3Ut which are in a I safe condition now. 

Between Incline and State Line Yards track con- 
ditions are below the average, especially between the 
[ncline and Hickory St., where the | rail and joint fixtures 
ire badly worn, corroded, and not fit for main track 
use. If we leave this rail in the track and comply | 
with the wishes of the Commissioners, it will be neces- 
sary to renew practically all the joint fixtures, and rebolt 



78 RUBICAM DICTATION STUDIES 



out of face, in addition to | driving up the rail to close 
open joints, and removing short broken pieces. It will 
also be necessary to remove | from the track about 1,000 
feet worn 63 -lb. rail just east of Santa Fe Street. 

Kindly advise immediately that these matters are 
receiving attention. 

Yours | truly, (27 6) 



107 
Mr. H. B. Thompson, 

207 Main St., 

Hannibal, Mo. 
Dear Sir : — 

Referring to your letter of the 11th inst. "with re- 
gard to responsibility for damage to our wrecking uten- 
sils and personal injuries to our employes when en- 
gaged in service other than our own: 

When you conclude I am unfair, you unquestionably 
are taking a stand in the interest of your company | 
only. We do not solicit the borrowing of our wrecking 
utensils by outside interests, and do not exact a 
premium for the use I of the machinery to indicate that 
we are in the wrecking business or are renting the ap- 
pliances at profit. On the contrary, when the ; wrecker 
is leased to outside interests, it is frequently to the 
serious inconvenience of our repair work, from which 
men to accompany the machines must be taken. 

Our position with regard to the wrecking outfit is 
that of the standard agreement, which provides that the 
service is for | the benefit and at the request of the 
foreign company; that it is not for profit, but for ac- 
commodation. This agreement also supports our 
position with | regard to the use of our wrecking 
machinery by outside parties, in so far as it stipulates 



RAILROAD 79 

that the home company does not warrant the | insurance 
of the foreign company's trains against any risks of 
transportation, nor the assumption of liability, notwith- 
standing the fact that the foreign company's trains are I 
operated by the home company's dispatchers and other 
employes. 

As previously indicated, if you seek the use of our 
wrecking utensils to help you out, | it must be with the 
explicit understanding that you exempt us from respon- 
sibility for any accidents or personal injuries occurring 
from the time equipment leaves regular I place of 
storage until again returned there; it being also under- 
stood that the movements are entirely for your benefit, 
and that all the men engaged | in the execution of the 
movements become, for the time being, the employes of 
the borrowing interest. 

Yours truly, (sio) 



108 
Mr. Henry Newcomb, 

4685 Pennsylvania Ave., 
Newark, N. J. 
Dear Sir:— 

I am this morning in receipt of a letter from the 
Commissioner and Factory Inspector of Kansas, calling 
attention \ to the Kansas law as to building sheds over 
tracks on which car repair work is done at division points, 
the law being as follows : 

"Section 1. It shall be unlawful | for any railroad 
company or corporation or other persons who own, 
control or operate any line of railroad in the State of 
Kansas to build , or repair railroad equipment at division 
points where shops are located without providing sheds 
over the tracks exclusively used for such repair work, 



SO RUBICAM DICTATION STUDIES 

so that | all men permanently employed for such repairs 
may be under shelter during storms or inclement weather. 

"Section 2. Every corporation, person or persons, 
manager, superintendent | or foreman of any company, 
corporation, person or persons who shall fail or refuse 
to comply with the provisions of this act shall be | deemed 
guilty of a misdemeanor, and upon conviction shall be 
punished by a fine of not less than twenty-five dollars nor 
more than | one hundred dollars for each offense. 

"Section 3. This act shall take effect and be in force 
from and after its publication in the | official state paper." 

The Commissioner states he has had a large number 
of complaints that the above statute is not complied with 
by this Company; that he has made an investigation at 
six of our car repair shops, and that at four points named 
9,600 feet of | shed are required to comply with the law; 
that he does not know the length of the repair track at 
Atchison and Fort Scott, but, | whatever that length is, it 
should be added to the 9,600 feet above noted. 

He asks the attitude of this road in | regard to the 
observance of this law, and states that in his judgment 
it is not sufficient to post notices stating that men need 
not | work during inclement weather, relying for his 
opinion upon the language of the statute that it shall be 
unlawful "to build and repair railroad equipment | at 
these points without providing sheds." 

I have retained the correspondence in order to 
assertain definitely the number of feet of track that are 
used | for the repair of cars at the points named. Please 
advise the Company's attitude in this matter. 

Yours truly, (394) 



RAILROAD .81 



109 



Mr. W. A. Walker, 

G. P. A., Mobile & Ohio R. R., 
Louisville, Ky. 
Dear Sir : — 

Referring to your letter of August 6th, which is in 
reply to my letter of July 9th, File D-5, returning your 
exchange advices dated | July 6th and 7th, covering 
ticket Kansas City to Asheville, N. C, issued in June, 
1909, on which you requested advance information | 
regarding revenue to be reported your Company : 

While we appreciate your position in the matter in 
wanting us to supply your Accounting Department with 
the | divisions in the month in which the orders are 
honored, still we do not feel that the burden of securing 
advance information | should rest on our Company, 
simply because the exchange orders are drawn on one 
of our agents. 

You can readily understand that in each | and every 
case it would be necessary to take the matter up with 
the line drawing the exchange orders, asking for full in= 
formation, route of , ticket, rate at which sold, amount 
to be reported your Company, etc., and if the amount 
were not sufficient to cover the transaction, it would | 
necessarily mean that we write again, asking for ad- 
ditional information, which would not only delay in- 
formation desired by you, but would also cause cor- 
respondence in | our office which could be avoided. 

We also call your attention to the fact that the res- 
olution as adopted by the Association of American 
Railway | Accounting Officers, of which your road is a 
party, provides as follows : 

"Tickets given in exchange for the issue of 
another carrier should be shown | in the 



82 RUBICAM DICTATION STUDIES 

current month's report without revenue, 
and as exchange. The value of tickets re- 
ported as exchange should be shown in a 
separate statement, to | be rendered upon 
receipt of report covering the value of 
orders honored, reference being given 
therein to the transportation as well as to 
the tickets | or orders given thereon." 
In view of the above, I do not think that your Ac- 
counting Department will be insistent upon being fur- 
nished this information. | If the case is urgent, as in a 
refund claim, and settlement is necessary, we, of course, 
are willing to comply with your | wishes, but on regular 
exchange business we trust you will conform to the 
rules adopted by the Association. 

Yours truly, 019) 



110 
Mr. Henry Marshall, 

Decatur, 111. 
Dear Sir : — 

The above is a suit to recover damages from the 
Central Railway, on account of its failure to furnish cars 
during the latter part of | the year 1908, and will come 
up for trial at Cairo, 111. 

There has already been one trial of this case, which | 
resulted unfavorably to the Company, but a new trial 
was secured and it is desired that the strongest possible 
defense be made. 

Messrs. Harrison | & Mills, our attorneys in charge 
of the case, believe it is necessary for us to have a state- 
ment compiled showing the number | of cars ordered on 
the Central Railway, including the main branch and other 
branches; then a consolidated report showing total of the 



RAILROAD 83 

entire system, | by months, from July to December, in- 
clusive, and if such information is available, to show the 
number of cars furnished during such periods. I think 
it | would be possible to compile this information from 
the daily reports prepared by the Superintendent of 
Transportation. 

It is also desired in this case to | present the 
condition of a much larger business originated on this road, 
destined to points on foreign lines than is received from 
foreign lines to | be unloaded on this road, 'which brings 
about a scarcity of cars; and a statement is desired. It 
is likewise desired to show that efforts I were made to 
have our equipment returned to us promptly by our 
connections, and thus lessen the car shortage on this line; 
and if | such efforts were in vain, method pursued to 
secure return of cars should be shown, also possible 
reasons why our connections were unable to comply | 
with our demands. This feature of the case should be 
dwelt upon, and some person who is acquainted with 
the facts generally, and who would | be a competent 
witness, should be designated by you as the party on 
whom the Law Department may call when this case 
comes to trial. | 

For the purpose of showing local conditions, it is 
desired to have present at the trial of this case Superin- 
tendents Miller and Baker, also train masters | and car 
superintendents who were present at the first trial of 
the case. 

The plaintiff in this case sues for extensive damages, 
and in | our defense we must regard it as a test case of 
the Company's liability to persons who order cars dur- 
ing a period | when cars cannot be supplied because 
they are not on the Company's rails ; in view of which 
the matter should be studied from the railway's | stand- 



84 RUBICAM DICTATION STUDIES 



point, and the conditions that prevented the Company's 
supplying cars fully shown, 

Other tables will doubtless suggest themselves to 
you that will be useful | in showing the situation and 
the difficulties under which the Railway Company labors 
in the free interchange of cars, in keeping its equipment 
at home, | or in keeping it at all balanced; and I shall be 
glad if you will have them worked up for use in the 
trial | of this case, naming several persons who can 
testify thereto, in order that they may be introduced as 
witnesses for the Company. 

It is very | important that this matter receive im- 
mediate attention, for the reason that the case will come 
up for trial shortly, at Cairo, 111. Please acknowledge 
receipt. | 

Yours very truly, (553) 



FINANCIAL 



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90 RUBICAM DICTATION STUDIES 

111 
Dear Sir : — 

The purpose of this letter is to solicit your account. 
With every necessary facility and a capital and surplus 
of $2,000,000, we are | in a position to give you the best 
possible service. 

Our terms are 2 % interest on deposits subject to 
check, and 3% interest | on time deposits. 

We will make mail transfers of funds to the Eastern 
money centers for your account during normal conditions 
at par. 

We have | an extensive par list and shall be pleased 
to mail you a copy if you desire. 

We invite your attention to statement enclosed, and 
wishing you | success, we are, 

Yours truly, d04) 

112 
Gentlemen : — 

We wish to inform you that a general decline took 
place today in the stock market under extensive liquida- 
tion influence, caused in part by uncertainty over | set- 
tlement results. American shares stiffened at the open- 
ing, but soon began to react downward, with domestic, 
and closed weak and dull. Copper showed no better- 
ment | at any time and sagged toward the close. Mines 
fell away, in company with rubber shares. North- 
western gamed |/2 per cent and Westinghouse closed 
with % I per cent increase. 

Yours truly, (80) 



FINANCIAL 91 

113 
Gentlemen : — 

As you are aware, we have been hesitating for 
several weeks as to our plans for the coming season ; for 
we have been frankly and gravely concerned | over the 
current financial flurry, our business depending so 
greatly upon continued material development, building, 
improvements, etc. 

But as our trade is almost wholly | outside the 
large cities, and is practically confined to rural and small 
industrial communities dependent upon agriculture, 
mining, etc., we decided to learn the actual | conditions 
and prospects in each one of 4,000 communities through- 
out the United States, by addressing a selected list of 
well-rated, representative dealers | who are our custom- 
ers in these towns. 

Yours truly, (109) 

114 
Gentlemen : — 

We feel that their responses amply warrant the be- 
lief and confidence that, instead of the country going to 
destruction, both the producing and buying classes, | and 
those engaged in distribution along legitimate lines, are 
in better condition and with better prospects than ever 
before; and, as never before in similar | money scares, are 
determined and prepared to prevent any demoralization 
of their prosperity by outside influences, foreign and 
alien to them in origin, spirit, and | purposes. 

, Therefore, we beg to advise you that we have de- 
termined to pursue our original plans, made last spring 
and summer, contemplating the broadest and [ most 
thorough campaign we have ever made, and devoting 
more money to advertising in certain directions than we 
have ever spent before. We entreat you | to do likewise. 
Yours very truly, 03D 



92 RUBICAM DICTATION STUDIES 

115 
Gentlemen: — 

We take pleasure in handing you herewith a copy 
of our last Statement as rendered to the Comptroller, 
showing footings of upwards of eighty million | dollars, 
which places our institution in the ranking place in the 
Trans-Mississippi section. 

Our capital, surplus, and profits constitute a fund 
which assures our | depositors of our financial standing, 
and at the same time enables us to meet the needs of 
those requiring financial facilities without any undue 
formality. | 

We engage to meet the public cordially, and instruct 
our employes to treat all with a spirit of fairness and 
good will. 

Respectfully yours, (99) 



116 
Gentlemen : — 

We desire to call your attention especially to our 
Time Deposit accounts, which we are desirous of in- 
creasing to Twenty Million Dollars. 

We issue Certificates ' at either six or twelve 
months, upon which interest is computed at 3% per 
annum. 

We buy and sell Foreign Exchange and issue | 
Travelers' Letters of Credit, both domestic and foreign. 

If you require our services, or think of making a 
change, we hold ourselves in readiness to | meet any 
overtures from you, either by mail or personally, at our 
office. 

Yours truly, (90) 



FINANCIAL 93 



117 
Gentlemen : — 

It is hereby certified and declared that the street 
improvement bonds do not exceed the aggregate amount 
of said assessments remaining unpaid; that all acts, | 
conditions and things necessary to be done precedent to 
and in the issuing of this bond, in order to make it a 
legal, | valid and binding obligation, have been done, 
happened and performed, in regular and due form, as re- 
quired by the laws and constitution of the State | of 
Oklahoma; that all acts, conditions and things necessary 
to be done to secure the prompt payment of this bond 
and interest as they mature | will be done ; and the faith, 
credit, revenue, and property of said City are hereby 
irrevocably pledged for the purpose of carrying out each 
and | every stipulation contained herein. 

Yours truly, (131) 



118 

Gentlemen : — 

We have your various memoranda in reference to 
obtaining money from the bank on bills of lading. We 
can secure full market value and get I any amount we 
want on them. The banks, however, will not make 
these advances without signing a regular collateral note, 
payable on demand. They will | not loan us money on 
presentation of drafts with bills of lading attached, unless 
we go through the formality of making out a note. 
We | took the matter up today not only with the Bank 
of Commerce, but with three other of our largest banks, 
and none of them advances | money on bills of lading 
without having a collateral note made out. 

Yours truly, (114) 



94 RUBICAM DICTATION STUDIES 

119 
Gentlemen : — 

I have on file in my office a complete certified tran- 
script of all proceedings had by the City of Oklahoma 
relative to this issue; also | certificate of City Engineer 
showing the work was properly done and accepted by 
the City, also the written legal opinion of the leading law 
firm | of that State, recognized authorities in such matters, 
whose opinions are accepted by the largest bond dealers 
and financial institutions in all the financial centers. | 

I recommend these bonds as a perfectly safe in- 
vestment, and consider them a genuine bargain at the 
price offered. Price 98 and interest, subject to | sale. 

Anticipating an early reply, I am, 

Yours truly, (409) 



120 
Gentlemen : 

According to instructions we hereby notify you that 
Mr. John Smith is indebted to this association in the 
sum of $26.65, same | being for assessments, as follows: 
On assessment No. 5, balance of $6.65; for assessment 
No. 6, $10.00; and for | No. 7, $10.00, which is not due 
until May 1st. However, Mr. Smith is delinquent in 
the payment of the balance of | assessment No. 5, and 
the amount of assessment No. 6, and in case of loss 
could not recover for same. If this amount is I paid at 
once we will reinstate Mr. Smith, so that his insurance 
will be in force. 

Trusting that your interest in the matter is such 
that you will take steps to place this insurance once 
more in force, we remain, 

Yours truly, (142) 



FINANCIAL 95 

121 
Dear Sir : — 

Some time ago I mailed you a list of bonds ar- 
ranged so as to yield an income every month in the year. 
If ! you have not made your purchase, and are still in 
the market, I shall be pleased to furnish ycu information 
and statistics on any bonds | you may desire. 

The bond market has been very strong for the last 
sixty days, and first-class bonds are becoming scarcer. 
Inquiries are now | coming in for semi-investment or 
speculative bonds. 

I execute orders in stocks in New York, Boston, 
Chicago and St. Louis. 

Hoping to be favored with | an inquiry from you in 
the near future, I am, 

Respectfully yours, (112) 

122 

Miss J. H. Schaffer, 

1020 Olive St., 
St. Louis. 
Dear Madam : — 

Perhaps one of our Home Savings Banks will help 
you in your saving of small amounts to be deposited 
regularly in our Savings Department, drawing | 3% 
compound interest. 

If you are in a position to have a checking account, 
you Will appreciate the splendid service of this big in- 
stitution, I and the 2% interest on such accounts is an 
advantage not offered by all banks. 

In all relations of trust this Company's great finan- 
cial I strength and able, conservative management make 
it entirely worthy of your confidence. It has resources 



96 RUBICAM DICTATION STUDIES 

of $12,000,000, and is the oldest institution | of its kind 
in Missouri and one of the strongest in the United 
States. 

Hoping soon to welcome you at our Women's De- 
partment, and promising | you every courtesy and faith- 
ful service, we are, 

Very truly yours, (136) 

123 
Mrs. Samuel Piatt, 

Philadelphia, Pa. 
Dear Madam : — 

This is just a friendly little talk about something 
which probably is of great interest to you. 

You, of course, realize the necessity of | saving, and 
the great advantage of having money in the bank, which 
may be drawn when required. Have you begun to save? 
Have you an | allowance or independent income? Have 
you property, bonds, etc., which are a source of anxiety 
as well as profit? 

If so, we shall be glad | to talk things over with you, 
and in our Women's Department can give you any in- 
formation wanted. The location of our bank at Main & | 
Broad Streets is a convenience in itself, because it is 
right in the center of the shopping district. Our pleasant 
rest room with all its | comforts is always at the disposal 
of all our women visitors, even though they may not be 
doing business with us. You will find banking | here a 
very simple and pleasant thing, entirely stripped of for- 
mality and terrors. 

Trusting we shall have the pleasure of meeting you, 

Yours truly, | (175) 






FINANCIAL 97 



124 



Rubicam Shorthand College, 

St. Louis. 
Gentlemen : — 

The deposits of the Mechanics-American National 
Bank during the past year have shown a gratifying in- 
crease, largely due to the customers who have | kindly 
sent us new patrons ; for this courtesy we extend to you, 
one of our valued friends, our grateful thanks. 

It is our hope | that during the present year we 
may add many new names to our list of good custom- 
ers, and if any of your friends contemplate opening | 
new bank accounts, you will greatly increase our obli- 
gation to you by sending them to us, or giving us their 
names. We are sending | you herein several cards of 
introduction; any one presenting one of these cards 
filled out by you will receive every courtesy and attention. 

The officers of | this bank desire to give customers 
the best possible banking service, and if at any time you 
can suggest an improvement in our manner of | handling 
your business, we shall appreciate a word from you on 
the subject. 

Assuring you of our desire to be of service to | you, 
we are, with kind regards, 

Sincerely yours, (193) 



125 
Simmons Hardware Co., 
9th and Spruce Sts., 
St. Louis. 
Gentlemen : — 

I offer, at 98 and interest, any part of $34,718 City 
of Oklahoma, Okla., 6% Street Improvement Serial 



98 RUBICAM DICTATION STUDIES 

Bonds, secured | by taxation, dated June 21, 1910. 
Denomination 60 bonds of $500 each and 10 for $471.80, | 
a total of $3,471.80, are due and payable Sept. 15, 1910, 
and the same number of bonds and amounts in nu- 
merical order on Sept. 15th yearly thereafter, the last 
bonds maturing Sept. 15, 1919, each bond being signed 
by the | Mayor, attested by the City Clerk under the 
corporate seal of the City, registered in the office of the 
City Clerk July 23, 1910, | and duly certified on the 
reverse side of each bond. 

Principal and interest are payable by the City Treas- 
urer at his office, or may be collected | through my 
office free of charge. Interest coupons payable Sept. 
15th annually. 

The total issue of bonds is $34,718, and they | were 
issued to defray the cost of public improvements, con- 
sisting of Asphalt Street Paving, the work having been 
done under the supervision of the City Engineer, | duly 
approved and accepted by the City. They were issued 
under authority of an Act of April 17, 1908, and by 
resolution | duly and regularly adopted by the Mayor 
and Council of said City. 

Yours truly, (239) 



126 
Standard Tile Co., 

Century Bldg., 
St. Louis. 
Gentlemen : — 

In selling the Preferred Stock of the United Mines 
Co. to the public, purchasers will be given an equal 
amount of bonus stock. Provision will be made for the 
retirement of the Preferred Stocks as early as possible, 
leaving the Common Stocks to receive all the earnings of 



FINANCIAL 99 

the Company | as long as its mines can be profitably 
worked. 

The proportion of Preferred and Common Stock will 
be made so that the parent or | promotion company will 
retain in its treasury at least one-half of the Common 
Stock of each financed company. It will also receive 
the | usual commission for selling Preferred Stock of such 
operating companies. This method will be carried out 
on each flotation, so that with a few | flotations the 
Common Stock of this parent company will be worth 
many times par. 

The total capitalization of the Universal Securities 
Company is $350,000, divided as follows: $100,000 seven 
per cent Preferred Stock, and $250,000 Common Stock. 
The | Preferred Stock has no vote and may be retired at 
the discretion of the Board of Directors from the profits 
derived from sales, commissions, and | earnings of Pre- 
ferred and Common Stock acquired on flotation. The 
Common Stock has the voting power and will have all 
the earnings after retiring and paying j dividends on Pre- 
ferred Stock. 

Soliciting inquiries from you as to either class of 
stock offered, we are, 

Very truly yours, (245) 



127 
Mr. Henry Steinmeyer, 
8540 Michigan Ave., 
Chicago. 
Dear Sir : — 

Subject to prior sale I offer $1,200 St. Clair County, 
Illinois, 6% School Bonds secured by taxation, dated 
June 1, 1910, due June 1, 1930, without option of 
prior payment. Denomination two $500 and one $200. | 



100 RUBICAM DICTATION STUDIES 

Issued by School District No. 4, for the erection of a 
public school house in said District, each bond being 
signed by the proper officials, with the corporate seal 
affixed. Principal and semi-annual interest (Jan. 1st and 
July 1st) coupons payable at the Fiscal Agency of the 
State of Illinois, | in New York City. 

The bonds issued and covered by the School Dis- 
trict embrace 6V2 square miles of good farm land. 
They are secured by taxation, | the necessary tax levy 
having been made and extended on the tax rolls as pro- 
vided by law, by the Board of County Commissioners, 
to meet the | semi-annual coupons as and when they 
mature, and to create a Sinking Fund for the final retire- 
ment of the principal at maturity, and the | money when 
so collected is paid into the office of the County Clerk 
the same as all other County taxes. 

The bonds have been registered | by the County 
Clerk and each bond bears the endorsement of the At- 
torney General of the State of Illinois, which certifies 
they were legally | issued and are the binding and valid 
obligation of the District. After being so endorsed the 
law provides that they be incontestable in any Court | in 
the State. Each bond also bears the certificate of the 
County Attorney certifying to their legality, and also a 
certificate of the State | Auditor to the effect that they 
have been registered in his office. 

The punctual payment of the principal and interest 
of these bonds is beyond the | remotest doubt. 

School bonds are justly considered among the 
choicest bonds issued, for the reason that people never 
object to the payment of taxes for | educational purposes. 

Price 106 and interest, subject to sale, at which 
they yield 5 1 /2 ori every $106 invested. 

Yours truly, (300) 



FINANCIAL 101 

128 
The N. K. Fairbank Co., 

3rd & Convent Sts., 
St. Louis. 
Gentlemen : — 

To provide for the punctual payment of the prin- 
cipal and interest coupons as they mature, the City has 
levied a special tax, which money cannot | be used or 
diverted to any purpose other than the payment of the 
principal and interest of the bonds. 

Under the laws of Oklahoma | these bonds are ac- 
cepted by the Commissioner of the Land Office as 
security against money deposited with Banks and Trust 
Companies in that State; | and they have also been ap- 
proved by the State Bank Commissioner as legal security 
for deposit by Surety Companies to qualify them to do 
business | in that State. 

Yours truly, (105) 



129 

Norvell-Shapleigh Hardware Co., 

4th Street and Washington Ave., St. Louis. 
Gentlemen : — 

Several months ago a letter addressed to various 
Missouri corporations was sent out by the undersigned, 
calling attention to the fact that the succession to | stocks 
in. Missouri corporations is subject to the Missouri Col- 
lateral Inheritance Tax of five per cent, even though the 
owner may reside outside of Missouri at | the time of his 
death. 

Attention was further called to the fact that every 
Missouri corporation becomes individually liable for this 
tax, together with heavy | penalties, if it permit, after due 



102 RUBICAM DICTATION STUDIES 

notice, the transfer of any stocks or loans by an executor, 
administrator or trustee of another state, which stocks | 
or loans are subject to the tax. 

We have recently received strong intimations that 
various stocks, bonds and loans subject to this tax have 
been | transferred by certain Missouri corporations with- 
out the proper amount due the State of Missouri having 
been paid. Thinking that in some instances the failure 
of | these corporations has been due to oversight rather 
than to intentional evasion of the law, we are, before 
causing proceedings to be instituted against such | cor- 
porations as are liable, sending this letter to all Missouri 
corporations in the City of St. Louis, as a warning | that 
in the future the law will be strictly enforced. 

Any transfer permitted by a Missouri corporation 
to be made without payment of all Transfer | and In- 
heritance taxes due thereon will be strictly at the peril 
of the corporation. 

Under the Missouri statute, if any person die, leav- 
ing any heir, | devisee or legatee other than father, 
mother, husband, wife, direct lineal descendant (e. g., 
child or grandchild), legally adopted child, or Missouri 
charitable, religious or | educational institution, the por- 
tion of the property of deceased to which such devisee 
or legatee is entitled is subject to a five per cent | tax, 
and, in the event of failure to pay, heavy penalties are 
prescribed. 

It is this transfer tax, together with penalties, to 
which corporations permitting | transfers, as above 
stated, are liable. 

Corporations often receive requests from executors 
or administrators to transfer to them stocks which stand 
in the name of | their descendant. Every such applica- 
tion should be carefully scrutinized by the corporation, 



FINANCIAL 103 

and the executor or administrator be required to furnish 
information, properly verified, before | the transfer is 
made, as to the relationship to the deceased of the heirs, 
devisees and legatees, and if a tax is due, the | corpo- 
ration should, for safety to itself, see that it is paid before 
the transfer is made. 

In this connection you may feel at liberty to | refer 
to the undersigned any persons who may make applica- 
tion to you for transfer of stocks or loans standing in the 
name of any descendant | or in trust for such, and we 
will see that the amount of tax due is promptly deter- 
mined, and that you and they are notified | of the same. 

If we can give you any assistance in explaining the 
provisions of the Missouri law to you or to persons un- 
familiar with | it, we shall willingly render the same. 

This letter should at once be delivered to your 
Stock and Loan Transfer Agent. 

Kindly acknowledge receipt of | this letter, and oblige, 
Yours truly, (506) 



130 

To Whom It May Concern : 

The liabilities of a life insurance company (which 
consist mainly of the so-called "net value" or "reserve" 
under its policies) | are determined by law according to 
an unyielding mathematical rule, while such of the 
assets as are invested in bonds and stocks are subject 
to I the fluctuations of the market. The law which 
governs the liabilities of a life insurance company as- 
sumes that a certain rate of compound interest (3 1 /2 I 
or 4%) will be realized by the company in all the years 
that the policy may have to run, and that the company 
must have sufficient | assets, together with the interest at 



104 RUBICAM DICTATION STUDIES 

the above rate, and the premiums receivable in the 
future, to pay its claims as they mature. Even if | its 
assets actually pay a much higher rate of interest than 
that assumed, but which at the time the company's 
annual statement is made are | selling only at par, they 
must be entered at their par value, although on the 
same basis as that on which the liabilities are calculated 
| (3V2 to 4%) and as an offset to liabilities so calculated 
they might safely be entered at a much higher figure. 
The company has nearly | one-half of its assets, or 
$41,239,753.50, invested in mortgages, mostly upon im- 
proved farms in the fertile West, which are still | accept- 
ed at their face value. These mortgages have been a 
favorite investment of the company for many years. 
The total amount of such investments made | during the 
year 1907 was $7,590,955.00, and the amount paid to 
the company in the same time was $4,255,379.89, | 
showing a net increase in this class of assets of $3,335,- 
575.11. As an evidence of the desirability of these in- 
vestments we I may say that the loans are so drawn that 
most of the interest falls due on the first day of January, 
and more than three | fourths of such interest has been 
paid by the borrowers, who are scattered through the 
western country, so promptly that it is in the hands of | 
the company in Hartford before the middle of that 
month, and a comparatively trifling amount is unpaid 
at the expiration of sixty days. 

Only one | such mortgage was foreclosed in 1907, and 
the property was sold during the year for more than it 
cost. The company also has | more than $6,000,000 of 
loans secured by its own policies not affected by the 
financial depression; and it has $29,373,825.78 | in stocks 
and bonds of the most approved character whose actual 
value, notwithstanding the temporary depression, is as 
large as before for meeting the financial | requirements 



FINANCIAL 105 



of this company. No investment is made without the 
approval of the Board of Directors. 

The total amount of assets now held by | the 
company is greater by $2,375,720.80 than one year ago. 
The surplus of the company upon present valuation of 
assets, in excess | of the amount required to meet its 
future obligations according to the most rigid require- 
ments, is $5,587,008.38 and furnishes abundant | security 
to its policy-holders for any possible fluctuations, whether 
in the loss rate or in the value of its securities. 

Yours truly, (548) 



ADVERTISING 



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112 RUBICAM DICTATION STUDIES 

131 
Dear Sir : — 

As advertising manager, I am taking the liberty of 
laying before you an advertising proposition which 
merits your careful and thoughtful attention. I believe 
that | the Agricultural World offers such unusual value 
to advertisers that I am justified in calling your atten- 
tion to its merits as an advertising medium. 

A | late issue, which I am having mailed under 
another cover, tells the story without words, and I trust 
you will give it immediate and careful | reading. The 
Agricultural World is one of the best edited agricultural 
and livestock papers published today, giving to the stock- 
man and general farmer convincing and interesting, | as 
well as scientific, reading matter. 

Kindly let me hear from you as soon as possible. 

Yours truly, di 8 ) 



132 
Gentlemen: — 

I again call your attention to the advantages offered 
advertisers by the Agricultural World. I have given 
the Agricultural World my personal attention | for ten 
years, and have spared no effort to make it the greatest 
advertising medium in the West. I have always taken 
a personal interest | in the small as well as the large ad- 
vertiser, and at all times my efforts have been directed 
to bringing the greatest returns for our advertising 
patrons. 

To secure space, kindly refer to our late rate card, 
as herewith enclosed. It is urgent that you get in your 
application for space | just as early as possible, in order 
to get a good position. 

Yours very truly, (lis) 



ADVERTISING 113 

133 
Gentlemen: — 

As you are aware, the present classified list of the 
telephone book takes the place of a business directory; 
it contains much information about St. | Louis, including 
a street directory, a hotel directory of the United States, 
a time-table of all trains arriving at and leaving the 
Union Station, | a list of office buildings in St. Louis, and 
much other useful information. 

Our January issue will, in addition, contain the owl 
card of the | United Railways Co., an amusement direct- 
ory showing the bookings of theaters for the next four 
months, and the dates of entertainments planned by the 
different | clubs and societies; also the sailing time of 
boats leaving St. Louis, and the sailing dates of the 
ocean steamers. 

Compare it with any other | advertising medium, 
and you will find that its unique value consists in the 
fact that it gets inside the office door and into the home; | 
it reaches the business man and the housewife. The 
Telephone Directory gets there and stays there ; it is on 
duty day and night throughout the | entire year. 

The next issue goes to press Jan. 2, 1911. Write 
us or call Olive 3551, and we will send our | represent- 
ative to see you. 

Yours truly, (^ 



134 
Gentlemen : — 

The Winchester Automatic Rifle, Model 1903, 22 

caliber, is a 10- shot, automatic, hammerless, take-down 

rifle, adapted to a new 2 2 -caliber rim-fire I cartridge, 

loaded with smokeless powder and greaseless bullet. 

Simple in construction and operation, it is the only 22- 



114 RUBICAM DICTATION STUDIES 

caliber automatic rifle on the market, and | the only 
automatic arm using the inexpensive rim-fire ammunition, 
making it a most desirable and up-to-date gun. It is 
well adapted to | wing and fancy shooting; 2 2 -inch round 
barrel, plain walnut stock and fore-arm; light weight, 
price $16.88. 

Yours truly, (98) 

135 
Dear Sir : — 

Your letter of June 2nd has been referred to the 
editorial department. 

"We are interested in your suggestion, but the 
proper examination of a manuscript | involves a con- 
siderable expenditure of time and money, and we have 
made it a rule not to examine manuscripts that are sub- 
mitted to several publishers | at the same time. If you 
should care to let us examine your manuscript before it 
is submitted to any other publisher, so that, | in case we 
found it available for publication, we could have the first 
opportunity to negotiate with you, we should take 
pleasure in giving | it consideration. 

Thanking you for your courtesy in bringing the 
matter to our attention, we are, 

Very truly yours, di 9 ) 



136 
Dear Sirs : — 

We beg to announce that we have organized The 
Central National Bank of Saint Louis, which will be 
formally opened for business on the 14th | day of 
January, 1909. 

The purpose of this letter is to ask you to be good 
enough to give us your St. Louis account. We | have 



ADVERTISING 115 



every facility for handling the same expeditiously, and 
we know we can make it profitable for you to do busi- 
ness with us. We are particularly | desirous of start- 
ing with a good line of deposits, and while we should 
appreciate your account at any time, it would be doubly 
appreciated on | the day we open. 

We will pay two per cent interest on daily balances. 
Should you favor us with your account, we will endeavor 
to reciprocate. | 

Awaiting your reply, I remain, 

Yours very truly, (133) 



137 
Gentlemen: — 

We take pleasure in mailing you a copy of our 
magazine and asking you to examine it. The Book News 
Monthly is a magazine devoted | to literature and the 
arts, and enters the homes of 16,000 families in the 
United States ; every state in the Union is represented 
in I our paid mailing list. 

It is scarcely necessary to put emphasis upon the 
quality of our circulation ; it must be plain to you that 
a I special, such as our magazine is, must, of necessity, 
have a clientele noted for its earnestness, wealth, and 
intelligence. 

Respectfully, (95) 



138 
Dear Sir : 

We wish to call your attention to the latest 
Automobile Clocks. 

Keyless Auto Clocks have attained the highest 
standard of motor clock excellence. The great | advan- 



116 RUBICAM DICTATION STUDIES 

tages of our patented rim-winding device are obvious. 
The necessity of a key and the consequent annoyance 
due to its loss or misplacement are | entirely done away 
with; by reason of the double case the clocks are rendered 
both dust and moisture proof. 

A clock is valuable for the | kind of time it keeps. 
Keyless Clocks record time accurately, and in addition 
offer the novelty, simplicity and practicability of the 
rim-winding device. The movements used | are of the 
highest grade, specially adapted to withstand the hard 
usage and vibration of automobile travel. 

Catalogue upon application. If not supplied by 
dealer, | order direct from us. 

Yours very truly, (132) 



139 
Dear Sir : 

You are doubtless interested in securing the best 
available lead pencils for the use of your students. You 
may have observed the vast difference between | the 
cheap pencil with harsh, gritty, nerve- wearing lead, and 
the better grade with the smooth, gliding lead that it is 
a pleasure to use. We | have spared no effort to pro- 
duce a lead with all the desirable qualities of smooth- 
ness, toughness, evenness of texture; and a trial of the 
samples | sent you today -will show how well we have 
succeeded. 

The No. 365 "Drawing," for drawing and general 
use, is designed for schools and colleges. | This is repre- 
sentative of our line, which includes about 400 different 
styles of pencils. We trust you will carefully test this, 
and we hope, | if it is found satisfactory, you will adopt 
it for regular use. 






ADVERTISING 117 

If additional samples are desired, or if there is any 

other information we | can give you, we hope you will 
let us hear from you. 

Yours truly, d«4) 



140 
Gentlemen : — 

Possibly you will be selecting a new law text this 
fall. At least, you will be searching for the best com- 
mercial text-books and courses | of study the market 
affords, and you doubtless will wish to know what is 
newest and best among commercial law books for use in 
your | class-room. 

Before definitely deciding so important a matter, 
you should, in justice to yourself and to your students, 
consider the vital facts set forth | in the accompanying 
descriptive circular. Practical Law is all and more than 
its name implies. It is intensely interesting in character, 
a feature not usually | found in text-books treating so 
dry a subject as commercial law. 

A sample copy will do much to convince you. A 
class-room test will | forever make you a friend of this 
book. Why not try it for the coming year? Your 
reputation for high-grade work will be materially | 
strengthened by the use of this splendid text. 

May we hear from you ? 

Yours truly, Q65) 



141 
Dear Madam : — 

Permit us to suggest that the best method of un- 
packing the typewriter which we have shipped to you 
is, to remove the top and | bottom boards of the box 



US RUBICAM DICTATION STUDIES 

first, and then unbolt the machine from the baseboard. 
You will find the carriage packed separately in the top 
of | the box, but it slips into place on the rails easily. 
You will find a card of directions and a book of in- 
structions included with | the machine, and we anticipate 
that you will have no difficulty either in unpacking, set- 
ting up, operating, or taking care of the machine, if | you 
follow the directions. 

In order to guard against any unusual delay in 
transit, we respectfully request that you mail to us the 
enclosed post-card | immediately upon receipt of the 
typewriter. If it should not arrive on schedule time, 
we should like to be notified, so that we may | do all in 
our power to insure prompt delivery. 

Assuring you of our best service, we are, 

Very truly yours, (170) 

142 
Dear Sir:— 

I am especially anxious to have you visit our ex- 
hibit at the Household Show in the Coliseum. All of 
our various forms of telephone equipment, | including 
private branch exchanges for business houses and resi- 
dences, desk and wall telephones, small extension sets, 
and adjustable arm telephones, will be shown. 

A special demonstration | of our Long Distance 
service will be given between 7:30 p. m. and 10:30 p. m. 
Arrangements have been made so that visitors | may 
talk with Bell representatives in distant cities. This 
proved to be a very attractive feature of our exhibit at 
the Household Show last year. | 

I enclose two tickets of admission for the week of 
March 27th, together with a souvenir coupon. I trust 
you will find it convenient | to attend. 

Yours very truly, U30) 



ADVERTISING 119 

143 
To Advertisers : — 

Fac-simile letters are exact counterparts of original 
typewritten personal letters — signature, name, address 
and all. Coming from the head of the house, they 
often | perform their mission even more effectively than 
a personal call from a representative. They reach the 
hands of the proper authority at a time when | he is in 
a humor to consider their contents. They carry your 
arguments quietly and forcibly without exposing your 
methods to your competitors. 

Unlike the | many so-called imitations, they have 
every appearance of personal letters and are filed in the 
regular order of correspondence. They are better than 
the | average solicitor, because they never misrepresent 
your business. The cost is but a mere fraction of the 
expense of a personal call. They reach thousands | 
simultaneously. Shrewd advertisers are our best cus- 
tomers. No order too large, none too small. 

Yours truly, (14D 



144 
Gentlemen: — 

Every painter knows that pure white lead alone, 
that is, with no inert pigment therein, is inferior to white 
lead which has been combined with | one or more 
pigments of a different origin; the blending or combin- 
ing of minute particles of different shapes and sizes pro- 
ducing a better result than I the white lead used alone. 
Everybody knows that pure gold is a most remarkable 
metal, but that it is necessary to combine alloy even 
with | gold to make a more durable metal. If you read 
our handbook carefully, you will note that we do not 
attempt to belittle the good | qualities of linseed oil as a 



120 RUBICAM DICTATION STUDIES 

paint vehicle; but like white lead and gold, linseed oil 
has its limitations, and now that they are definitely | 
known, it is a Master Painter's own fault if he does not 
adopt recognized methods of overcoming them. 

Do not allow prejudice of any kind | to keep you 
from investigating the merits of Japan Oil. In trying it 
you risk nothing and have much to gain in the interest 
of I good materials and good workmanship. If you will 
send us on the enclosed card the name of your usual 
supply house, we will see | that you get a free working 
sample. Can we do more ? 

Yours respectfully, (213) 



145 
Dear Sir: — 

You are doubtless interested in everything that will 
further your work in training men and women for busi- 
ness life. We want to place in your | hands a copy of 
our new business book, "Human Nature in Selling 
Goods." This little work sums up the whole method 
and philosophy of American | Salesmanship as it is 
practiced today by successful business men and taught 
in progressive business houses. 

It is by no means a book for salesmen I alone, but 
deals with its subject in an interesting way, giving a 
broad insight into the real business spirit. Every young 
man entering commercial life | ought to read it and own 
a copy, whether his training is for office or road work, 
accounting, selling, buying, or managing. 

Our edition of | this book has been made with special 
reference to wide distribution. We shall be glad to have 
your personal order for a copy for inspection, | at the 



ADVERTISING 121 



net retail price, which is only 50^. In lots, the whole- 
sale price to you will be 15^ on orders of 25 copies, | 
and 13 Vlfi a copy for larger quantities. 

Yours very sincerely, (192) 

146 

Gentlemen : — 

It is our business to devise systems that will reduce 
your expenses by eliminating the time and trouble 
wasted in looking up references which might | otherwise 
be devoted to more important subjects. You know how 
absolutely important it is to file your letters, legal docu- 
ments, papers — in fact, references of | every descrip- 
tion — where you can find them immediately. In order 
that you may fully realize what this all means to you, 
kindly call at the | salesroom of our representatives. 
They will gladly explain to you in detail how you can 
overcome any disadvantages, and will suggest just what 
systems and | cabinets will meet your exact require- 
ments. At the same time, they will demonstrate to you 
why "Quality Cabinets" will prove the most durable and 
economical | that you can use. Such a demonstration 
will convince you that our cabinets are justly recognized 
as the newest, best constructed, and most complete 
line I of office furniture made. If it is not convenient 
for you to call at the present time, fill out the enclosed 
postal card, and have | our representative call on you. 
Yours very truly, (183) 

147 
Gentlemen : — 

Model Thirty- Eight is the new car of the year — a 
really high-grade automobile for an even thousand 
dollars. It has everything a | good car should have — 
standard materials and construction, correct design, ex- 



122 RUBICAM DICTATION STUDIES 



traordinary efficiency, and complete equipment, including 
high-class magneto and gas lamps. It has power, speed 
and | never-failing ability; it is big enough to give plenty 
of room, yet it is so handy that it can be readily turned 
without backing | in a narrow street, and so simple as to 
be the ideal car for women. Its center of gravity is low, 
thus preventing skidding, and | giving a smart, graceful 
appearance. This model has been thoroughly tested out 
on a fast 7,000-mile non-stop endurance run, through 
which it | came with a perfect score, finishing in better 
running order than when it started. Considered from 
every standpoint, this is by far the | most desirable and 
serviceable light runabout that money can buy. Twelve 
thousand of this one model will be built for 1912. | The 
quantity makes the price. Full description and illustra- 
tions appear in the enclosed catalogue. 

Yours truly, (190) 



148 
Dear Sir: — 

Owing to the backward spring and summer season, 
we intend to sell below cost our stock of Oxfords for 
men and women. 

As one of | our regular customers, we are notifying 
you of this special sale so as to give you an opportunity 
to make a selection before the general sale | opens. 

Some of these lines are so badly broken in sizes 
that, to close them out, we have marked them incredibly 
low. 

We hope that | you "will take advantage of this 
chance to purchase All America, Mayfair and Signet 
shoes at such unusually favorable prices. 

Yours truly, m) 



ADVERTISING 123 

149 
Mr. J. C. Smith, 

Gillespie, 111. 
Dear Sir : — 

Being unable to secure space at the Automobile 
Show for week of February thirteenth to properly dis- 
play the full line of the 1911 "Hupmobile," | we have 
arranged to have an individual show in our salesroom. 

Our salesroom will be attractively decorated and 
the four different types of the "Hupmobile" | will be 
shown to their best advantage. 

We wish to extend to you a cordial invitation to 
visit us this week, assuring you of the | utmost courtesy 
and attention. 

Trusting that we may have the pleasure of a visit 
from you, we are, 

Yours very truly, (97) 



150 

Frost-Johnson Lumber Co., 

Wright Bldg., St. Louis. 
Gentlemen ; — 

"How Fortunes Are Made" is the title of a short 
article which appears on the inside of this sheet. 

That article will interest you, for | it points the way 
to one of the greatest money-making opportunities 
offered the public in 20 years or more; and, whether you 
are contemplating | an investment or not, we ask you to 
read it. 

In considering an investment of any kind your first 
desire is for inside information I regarding it — information 
that will satisfy you thoroughly as to its merits. Then 
naturally you want to know about the men in charge — 



124 RUBICAM DICTATION STUDIES 

their character | and standing, and whether they are 
safe men to follow. Their status is your surest guar- 
antee against disappointment or loss. 

The Autopress Company has now | barely reached 
the threshold of its great career. It has gone far 
enough to demonstrate its boundless possibilities as a 
money-maker, and | to justify the faith of its backers in 
the great machine which has the whole world for its 
field and has that field alone. 

Every | statement and every claim made herein are 
easily verified. The printing houses that are paying the 
Autopress Company $1,000 profit on every | machine 
furnish the best evidence for your consideration. In 
addition, the Autopress Company offers every facility 
for investigation of its business, its prospects, its 
methods, | and the men behind it. Once you know the 
inside facts about Autopress, you will believe, with us, 
that the stock of the Autopress Company | affords the 
very best investment opportunity you ever had. It 
combines absolute safety with profits which will surely 
run into the millions. 

The Autopress Company | is chartered by the State 
of New York (which insures protection of stockholders) 
and we are doing business with the leading concerns 
throughout the j country. Read the facts set forth 
within ; then sign and mail to us the enclosed card. 

Our literature embodies the strongest endorsements 
ever given, including those | of such concerns as the 
Prudential Life Insurance Company, the New York Life 
Insurance Company, and a score of other well-known 
institutions. 

Whether | you buy stock or not, you cannot in 
justice to yourself neglect to find out about this wonder- 
ful opportunity, when the mailing of a post-card I will 



ADVERTISING 125 

bring you full information. Sign and mail the card 
today, before you put this letter aside. 

Very truly yours, (395) 



151 

To Wide- Awake Business Men : 

Our Telephone Directory is the best known means 
to employ in explaining your story by word or picture 
to the I most interested buyers of St. Louis and vicinity. 

It is up to date, clean, attractive; it contains accu- 
rate information in the condensed form that is ! required 
by firms and individuals desiring to transact business in 
or about St. Louis. 

It is the only reference guide to be found in or | 
about St. Louis and environs ; it may be readily consult- 
ed in business offices in North, South, East or West St. 
Louis and in most residences | in the same territory. 

If you are looking for a doctor, lawyer, merchant 
or policeman, you can find him without an endless 
search, as everything | is carefully classified. 

Here are intelligible lists of churches, pastors, owl 
cars, theaters, baseball schedules, railway time cards, 
charitable institutions, cemeteries, places of general in- 
terest I and how to reach them, criminal and civil courts, 
names and addresses of United States, State and City 
officials, foreign consuls, and public buildings. 

In ' addition to valuable detailed information of 
various sorts, you will find thousands of advertising an- 
nouncements of leading merchants and specialists in St. 
Louis, and these | advertisements are there because the 
financial investment is a good one. 



126 RUBICAM DICTATION STUDIES 

You will readily realize how powerful is the enor- 
mous circulation of the Telephone Directory. | 

Space in the Directory is cheap. A subscription 
for space in this fertile field will give you a foothold in 
the money-making markets of | St. Louis. If you desire 
an estimate of the cost of this unique service, we shall 
be glad to submit a proposition. 

Very truly yours, ( (275) 



152 
To Stockholders : 

It is hardly necessary to repeat that in establishing 
an independent telegraph service, most of the work, both 
diplomatic and constructive, must be done without | 
blare of trumpets. Much that has been done will be set 
forth in a comprehensive report soon to be issued. 

In the meantime, certain facts | can be briefly stated: 

The Company now has six offices in Boston, and by 
means of ducts recently secured the opening of many 
others | is being arranged. Many large concerns are now 
giving us all their telegraph business between Boston 
and points on our operating lines. 

Contracts have been | closed giving the Telepost 
Company the right to string wires over various extensions 
in the New England States, thus enabling us to connect 
our present | offices in New England with many other 
important centers of trade and manufacture. 

With St. Louis as a center, much progress has been 
made ] in several directions. The St. Louis-Kansas City 
line has reached Sedalia, Mo. The St. Louis-Indianapolis 
line is now at Terre Haute, Indiana, and the | St. Louis- 
Chicago line is nearly completed. 

Telepost offices are now equipped in St. Louis and 
in Kansas City, and during the next few days | offices 



ADVERTISING 127 



will be equipped in Sedalia, Terre Haute, Springfield and 
other important points on these lines, so that in the 
immediate future these cities | will be enjoying Telepost 
rates and Telepost service. 

It is pertinent to state that the Company's wires 
will be carried in ducts and conduits through | the im- 
portant business sections of both Chicago and St. Louis, 
offices being opened in locations best suiting the con- 
venience and requirements of each city. This | is usually 
the hardest problem that a new company has to face in 
the large cities; but in St. Louis and Chicago, as well 
as | in Boston, it has been completely and satisfactorily 
solved by the Telepost Company. 

Other most valuable connections have been or are 
being secured by which I many leading cities of the 
Middle West will have Telepost service at an early day. 
Steady progress is also being made on the trunk line | we 
are building, which will give New York City some of the 
much needed advantages of the Telepost service. 

The Telepost construction work is being vigorously | 
pushed under the immediate direction of the Superintend- 
ent of Construction and Maintenance, one of the most 
successful and best known line builders in the country. | 
For some years he has been in charge of the construction 
work for the Postal Telegraph Company. 

It will be a matter of great gratification | to all stock- 
holders of the Telepost Company to know that Rear 
Admiral Sigsbee has become one of our Board of Voting 
Trustees. 



Yours very | truly, 



(451) 



128 RUBICAM DICTATION STUDIES 

153 
Mr. John Harkins, 

Longfellow School, 
St. Louis. 
Dear Sir : — 

The New York Civil Service Reform Auxiliary be- 
lieves that there would soon be a radical change in public 
opinion on the subject of our Civil | Service if the boys 
and girls in our schools could be taught, first, the true 
nature of the Spoils System, its injustice and extravagance, 
its | degrading influence and the handicap which it is to 
us in our foreign relations; and, second, the business ad- 
vantage and equity of the Merit System. | 

During 1903 and 1904, there were distributed free to 
high schools and colleges in all sections of the | country 
over 48,000 pamphlets on the subject of Civil Service 
Reform. Recognizing that their mere distribution would 
have little influence, the Auxiliary has sought | the 
teacher's assistance in the explanation of Civil Service 
Reform principles. 

This plan was so successful that the Auxiliary pre- 
pared the enclosed Primer on the | Merit System for use 
in the elementary schools. To supplement the use of 
the Primer, the Auxiliary has now published two pam- 
phlets, entitled "Honor in | Politics," and "Summary of 
the United States Constitution." It will gladly furnish 
you, free of all expense, fifty of the Primers or twenty-five 
of | either of the other pamphlets, with no stipulation save 
that they shall be made the subject of a lesson in your 
history or civil government | course. For any number 
over fifty Primers a charge of one cent a copy will be 
made, and for any number over twenty-five of | the 
"Honor in Politics" or of the "Summary of the United 
States Constitution" a charge of three cents a copy will be 
made. 



ADVERTISING 129 

If you are willing to co-operate | with the Auxiliary 
and wish to make use of these pamphlets, will you be 
kind enough to send in the enclosed envelope the number | 
of pupils in your class? 

Hoping to hear from you on this subject, 

Yours truly, (315) 



INSURANCE 



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136 RUBICAM DICTATION STUDIES 

154 

Gentlemen: — 

I am in receipt of your letter from H. G. Harrison, 
suggesting that I send information to Mr. Geo. W. 
Morris at Farmington, who | is at this time interested 
in insurance. It occurs to me that you may know the 
gentleman, but I would suggest that you say | nothing 
to him until I have a reply to my letter. I will advise 
you later in regard to this case. In the meantime, | if 
you have any suggestion to offer, I shall be glad to 
hear from you. 

Yours very truly, (93) 

155 
Dear Sir: — 

By having a Perfected Indemnity Contract, any 
condition of a man's affairs can be arranged for while he 
is living, so that after his death | every detail will be 
carried out as he elected it should be —for remember, 
every man is far more conservative while he is living 
than I he would expect any administrator or executor to 
be with his affairs after death. 

By this plan also, a certain fixed sum can be ar- 
ranged I for minor children, so that misappropriation and 
bad investments cannot defraud them of the amounts 
designed for their support during their helpless years. 
In fact, I this Contract is like a Bank Draft, over 169 
millions back of it and 32 millions of surplus over 
liabilities. 

Yours truly, (123) 

156 

Dear Sir : — 

I am in receipt of the memorandum left at this 
office a few days ago, and in reply beg to say policy 
No. 458789 is | a Twenty Annual Payment Policy with 



INSURANCE 137 

a fifteen-year period, and a return premium feature added. 
This, certainly calls for a settlement at the | end of 
fifteen years. 

You will find that it gives the exact date on the 
back of the policy, also on the front | when folded. 
At the end of the fifteen years you will have the option 
of taking the full cash value, considered on the guaran- 
teed | release which is endorsed on the policy, and in 
addition to the dividend then declared. 

You, of course, realize that it is impossible to 
state | dividends in advance, but we can predict from 
past experience that this policy will make a good show- 
ing for you. If, at the end of fifteen years, you | wish 
to draw the dividend in cash and continue your pay- 
ments for five years longer, you will then have a 
guaranteed paid-up policy and will be | entitled to an- 
nual dividends on the five premiums paid, which will 
cut down the premiums considerably. 

If you do not wish to take a cash dividend | at the 
end of fifteen years, you can draw the full cash value and 
then convert it into a paid-up policy and stop paying | 
premiums. The paid-up value will be just what the 
cash value would purchase in paid-up insurance. On 
the other hand, if you | should die at any time during 
the fifteen years, the Society would pay the face of the 
policy, plus all the premiums paid by you. 

I | shall be glad to give you any further information 
regarding this policy that I can. 

Yours truly, (29 o) 

157 
Gentlemen: — 

We hereby acknowledge receipt of yours of 20th 

inst. To give you some idea of one of our practical forms 

of policies we enclose | herewith a Twenty Payment 



138 RUBICAM DICTATION STUDIES 

Policy payable at age 60, or prior death, based on age 30, 
for $10,000. 

You will note the annual | premium is $359.50. 
You therefore could not have paid during the twenty 
years more than $7,190, at which time the ^guaranteed 
cash value is $7,270, and you would have had all your 
annual dividends in addition. If at the twentieth year 
you | showed no desire to take the guaranteed cash 
value, your payments would cease, and you would con- 
tinue drawing dividends annually until age 60, when | 
the policy would mature for $10,000. 

Trusting we have given you the desired informa- 
tion, we are, 

Yours truly, (145) 



158 
Gentlemen : — 

Replying to yours of recent date, will say the rates 
of premium on Term Policies for five, ten, fifteen or 
twenty years are very low; dividends are declared | as 
upon other kinds of policies ; provision is made for the 
renewal of the policy for successive periods at the rate 
of premium at advanced | age, or for conversion into 
other forms of insurance without medical examination. 

Partnership insurance is attracting increasing at- 
tention. It is designed to afford protection, | in the case 
of the death of a member of a firm, to the surviving 
partner or partners. Rates can be furnished for any 
number | of partners. Provision is made also for the 
conversion of the joint insurance into policies upon the 
lives of the individual members in the event of | the 
dissolution of the firm. 

Awaiting an early reply, we are, 

Respectfully yours, (137) 



INSURANCE 139 

159 
Dear Sir :— 

In reply to yours of the 29th, will say the Life and 
Endowment Policies contain guarantees of paid-up, cash, 
loan, and extended values. A grace | of thirty-one days 
is allowed for the payment of premiums. 

Life policies, all participating, are payable at death, 
and on them the payment of premiums | may be com- 
pleted in five, ten, fifteen or twenty years. 

Endowment policies are payable at a certain age of 
the insured, or at death | if it should occur before that 
age, with premiums payable during the whole period, in 
ten, fifteen or twenty annual payments. 

Trusting we have given you | the information 
desired, we are, 

Very truly yours, d08) 

160 

Gentlemen : — 

The premium charged represents the estimated cost 
of insurance and is based on conservative assumptions 
as to future death rate, interest rate, etc. The actual | 
cost is determined year by year by experience. The 
difference between the estimated and actual cost belongs 
to the policy-holders, and is ascertained and | distributed 
annually and not otherwise. 

A cash dividend is received one year from date of 
policy and annually thereafter. In case of policies paid 
for , in a limited number of premiums, dividends are 
continued after the full payment of the premiums until 
the policy is terminated by death or | maturity; and 
dividends are also paid upon "paid-up" policies. 

Yours very truly, (113) 



140 RUBICAM DICTATION STUDIES 

161 
Dear Sir : — 

Life Insurance is a requirement of all classes. It is 
needed by many to save their families from poverty or 
dependence ; by others as a protection against the dep- 
rivation | of the comforts, conveniences and refinements 
of living, which by use have become necessities. 

The Invincible has always striven for a simplicity | 
and clearness easily intelligible to policy-holders. It has 
also avoided all specious schemes which lend themselves 
readily to misrepresentation and awaken the ex- 
pectation | of enormous profits impossible of realization. 
To maintain a security which shall be impregnable, and, 
while conserving the rights of every policy-holder, to 
reduce to | a minimum the cost of his insurance, is the 
true object of the company's management. 

Trusting you will give this matter your careful at- 
tention, we are, | 

Respectfully yours, (127) 



162 

Gentlemen : — 

In reply to yours of the 6th, will state that both the 
participating and non-participating policies are termina- 
ble by the Company at short notice | if found undesirable, 
while under a life policy, which is not terminable by the 
Company, it may carry $50,000 upon a single life; 
therefore, | with the capital stock and assets of the 
Accident, Health, and Liability departments, amounting 
to $6,254,503.08, there is | no possibility of an Accident 
or a Liability claim becoming a disadvantage to the Life 
policy-holder. On the contrary, the security which is 
offered to | Life policy-holders is increased by reason of 



INSURANCE 141 

the larger assets and the broader basis which is furnished 
for average results by reason of the | different classes of 
business being conducted by the same company. 

Yours truly, (138) 



163 
Dear Sir :— 

The surplus arising under the participating business 
is paid to the policy-holders in dividends, or held for 
their benefit and security, but the surplus arising under 
the non-participating business | belongs exclusively to 
the stockholders. The premiums under the non- 
participating business are less than the corresponding 
participating premiums, but | the surplus arising from 
participating premiums is applicable to the reduction of 
such premiums for the second and subsequent years. 
The amount of dividend which may be earned and | 
paid under participating policies depends upon the ex- 
perience of the company as to the rate of interest re- 
ceived, the rate of mortality experienced, and the expense 
of | conducting the business. It is therefore impossible 
to calculate in advance the amount of future dividends. 
Yours truly, diD 



164 

Gentlemen : — 

We desire our agents to notify the insuring public 
that this company will not venture upon unknown haz- 
ards or enter into any uncertain schemes, so | prevalent 
in these times, for exploiting insurance of various kinds, 
but will continue to offer Life, Endowment, and Term 
Insurance, and also Accident, Health, and Employers' 
Liability Insurance, of the most approved and most | 



142 RUBICAM DICTATION STUDIES 

protective forms at the lowest reasonable cost. In the 
Participating Life department it will not yield to any 
temptation to the overpayment of dividends, which j has 
been a prominent factor in the disasters which have 
overtaken other companies in the past, believing that its 
insured in the long run will appreciate | the absolute 
safety of the company and its ability to meet every 
claim when it occurs, more highly than the temporary 
popularity which might be gained | by other methods. 
Yours truly, (130) 

165 

Gentlemen : — 

In reply to yours of the 28th ult. will state that the 
policies issued by this company in recent years are in- 
contestable after one year | except for non-payment of 
premium. Out of the large number of claims made 
under life policies during 1907 the company has found | 
it necessary to contest by law only three in number : — 

One where the insured had left home and had not 
been heard from for several years, | and his death had 
not been proved; one that of a person who had been in- 
sured less than a year, who, when he made his applica- 
tion to the Savers', had been treated for | the disease of 
which he died, but withheld this knowledge of his con- 
dition ; and the third that of | a person who had been in- 
sured less than twelve months, and who committed 
suicide. If there is any further information we can give 
you, let | us know. 

Yours truly, U54) 

166 
Gentlemen : — 

The time of maturity for such a policy as is men- 
tioned in your favor of the 10th inst. should not be earlier 
than 60 or 65. | In a company whose risks are well 



INSURANCE 143 

selected, whose investments are made with skill and 
care, and -whose affairs are economically administered, 
the financial results | of Endowment Policies are very- 
attractive. 

To own an Endowment Policy is a sure incentive 
to save money. One reason is the recurrence of the 
premiums | at regular periods, and another perhaps 
stronger reason is that comparatively small amounts are 
readily invested in this way, while, as is well known 
to | investors, it is difficult to invest such amounts by 
ordinary methods. Extended observation justifies the 
assertion that, in most cases, the matured endowment 
received at | the beginning of old age represents money 
which would not otherwise have been saved. Further, 
it must be remembered that money invested in an En- 
dowment Policy | is lifted above the hazards of business. 

The Credit Life and Trust Company's forty-five 
years' experience in writing these practical forms of 
policies has proven | conclusively their wisdom in ad- 
vocating this form of insurance. 

Respectfully yours, q 8 6) 



167 

Gentlemen : 

You will note that the enclosed policy covers the 
practical features of life insurance. It protects his family 
during the business career of the | insured, and when he 
has reached the age of 60 the probabilities are that his 
children will have matured, and the necessity of protec- 
tion become, to a | great extent, obviated ; and if, as in 
most cases, the insured has reached this time of life with- 
out having laid aside a competency for | old age, the pay- 
ment to him of $10,000, the face of the policy, is of great 
benefit. 



144 RUBICAM DICTATION STUDIES 

Annual dividends are paid on this policy and | all 
other forms issued by this company, which dividends 
may be used to reduce the premium or to purchase ad- 
ditional insurance, or may be allowed | to remain with 
the company to accumulate at 3 % compound interest. 

We submit this statement for your consideration, 
hoping that you will see the wisdom | of immediately 
applying for an amount of life insurance commensurate 
with your income, and earnestly solicit a thorough 
investigation of the Invincible Life and Trust j Com- 
pany's policy, believing that after investigation you will 
decide to place an application with it. 

Yours respectfully, (192) 

168 
Dear Sir: — 

The Security Life and Trust Company has been 
conducted with the idea that life insurance is a sacred 
trust, and the best management that | which secures 
permanence, unquestioned safety, moderate cost of in- 
surance, fair and liberal treatment, and best adapts plans 
of insurance to the needs of insurers. | That the Company 
has not been excelled in accomplishing these results is a 
matter of record. 

It is surrounded by greater safeguards than any 
other I life insurance company, and gives greater guar- 
antees for the future. It has nothing in its history that 
needs apology or explanation. Neither the integrity nor 
the I ability of its officers has ever been questioned. Its 
charter provides for the continuance of the present wise 
and conservative management. 

Its policies are non-forfeitable | after the payment 
of but two annual premiums. It will not take advantage 
of your necessity. If circumstances oblige you to take 
a paid-up policy, it will participate | in the surplus. 



INSURANCE 145 

It is a strong company. It has, besides the legal 
reserve and a large surplus, the additional protection of 
$1,000,000 | capital stock, on which the policy-holders 
pay no interest. Its investments are secure, its manage- 
ment economical, and its premium lower than that of 
any participating | company. 

You can make no mistake in placing your insurance 
with the Security Life and Trust Company. 

Yours truly, (219) 



169 
Mr. Daniel Whitelaw, 

Ellin wood, Kansas. 
Dear Sir :— 

In reply to your inquiry of several days ago, will 
state that Life Endowment and Term Policies can be 
made payable to the beneficiaries in | ten, fifteen, twenty, 
twenty-five or thirty installments, thus saving the widow 
(the usual beneficiary) the risk, delay, and trouble of 
investment. 

The Company | under this policy invests the amount 
of the insurance. From the money thus invested it pays 
a fixed annual sum for the number of years | agreed 
upon, it being recommended that the number of years 
shall cover the period in which the children are likely 
to be dependent. 

Income and | Final Sum Policies are issued upon the 
Life, Endowment, or Term plan, which provides, when 
they become claims either by death or maturity, for | the 
payment of an income for twenty years, and the pay- 
ment of a specified amount at the end of that period. 
For example, if a yearly installment | of $500 had been 



146 RUBICAM DICTATION STUDIES 

paid for twenty years, a final sum of $10,000 would be 
paid at the end of that time. | The Tontine period can 
be added to a policy if desired. 

Any further questions will be cheerfully answered. 
Yours very truly, am) 

170 

Messrs. Walton & Loevy, 
Hartford, Conn. 
Gentlemen : — 

As per statement received today, it would appear 
that Mr. Ryall had a credit to his account of $120.30, 
but in | view of the fact that the commission on the En- 
dowment policy is somewhat in excess of that on the 
20 -Payment Life policy, which | commission has been 
paid to Mr. Gorman, who was in charge of the Hannibal 
office at the time this policy was written, there I is a 
slight amount which we cannot refund. Taking this 
commission item into account, there is due Mr. Ryall 
$114.92, for which | I enclose herewith draft to the joint 
order of himself and mother. You will find the draft in 
the changed policy, which is also enclosed | herewith. 

The 1909 premium on the old policy, after deduct- 
ing the dividend, is $71.70, and the premium on his new 
policy | is $57.46, a total of $129.16, leaving a balance to 
pay of about $9.00 above the amount of | the draft en- 
closed. This will pay premium for three full years on 
his first policy, and one year on his new policy. 

The Hannibal Trust Co. | has the receipt for the 
annual premium due April 3rd and the 20- Year Endow- 
ment, which we have asked them to return, and we 
will | then request the Company to issue another for the 
20 -Payment Life, which they inadvertently did not en- 
close with the changed policy. 

Yours very truly, | (250) 



INSURANCE 147 



171 
Messrs. Wurdeman & Green, 
Louisville, Ky. 

The business of the ^tna Life Insurance Company 
commenced in the year 1850. It is a stock company 
with a capital of two millions | of dollars, doing life busi- 
ness both upon the stock, or non-participating, and the 
participating plans, being in this respect like the cele- 
brated English J and Scotch companies, some of which 
have been in successful operation for more than a hun- 
dred years. The non-participating business of this com- 
pany is | kept entirely separate and distinct from the 
other. The company also issues Accident, Health, and 
Liability Insurance, which is all conducted by the | stock 
department. The combination of these different classes 
of business, all of which pertain to the welfare and dura- 
tion of human life and which naturally | belong together, 
operates to reduce some of the general expenses charge- 
able to each class, but which, if the different kinds of 
business were conducted | by separate companies, would 
have to be paid by each class alone. The amount of risk 
assumed by this company under an accident policy is | 
limited to a moderate amount, depending upon the extent 
of the injury and the conditions under which it is sus- 
tained, and under an employers' liability | policy, though 
it may cover damages sustained by a number of persons, 
the total loss by any one accident is restricted to $25,000. 

Trusting | this is the information you desire, we are, 
Yours truly, (235) 

172 
Shoe Manufacturers' Union, 
Dubuque, Iowa. 
Gentlemen : — 

If your company does not enjoy the many benefits 
of a scientific, disinterested appraisal of the property 



148 RUBICAM DICTATION STUDIES 



used in the conduct of its business ; if | your plant ap- 
praisals have heretofore been made by your own em- 
ployes; if you have heretofore employed appraisers 
other than the Manufacturers' Appraisal Company; if 
you have | followed haphazard, inaccurate methods of 
determining plant depreciations, instead of applying 
specific, personal- inspection depreciation methods, based 
upon expert judgment, rather than | age ; if your records 
are not sufficiently accurate and complete to make a 
proof of fire loss incontestable, and inclusive of all losses 
at true values ; | if you do not know your exact invest- 
ment in each department of your plant, as a basis for 
apportioning non-productive expenses; — 

You can be benefited | by our knowledge, experi- 
ence and services in appraising property of every de- 
scription — land, buildings, water powers, machinery, 
mechanical equipment, tools, dies, natural deposits — in 
fact, | everything comprising your permanent plant. 

We claim and can prove, that our appraisal system 
is superior to other systems in that it shows at least 
30 | % greater detail; that the summaries and indices give 
results in concentrated ease-of-finding form ; that the 
fire losses of our clients are easily | adjusted because of 
the completeness of our schedules and our competent 
after- the-fire assistance. We have back of this superior 
system a well balanced | organization of experienced, 
expert appraisers— large enough to make a prompt ap- 
praisal of the plants of the most extensive American in- 
dustrial corporation, but not so | large as to be top- 
heavy in management, or to entail heavy overhead 
expense. 

If you are considering the employment of disinter- 
ested appraisers to | value your property, at present or 
in the future, let us hear from you now. We shall be 
pleased to explain our system to you | in detail; to make 



INSURANCE 149 

a special study of your requirements, and, without ob- 
ligation on your part, to submit a proposition acceptable 
now or at a | later date. 

Our list of clients is too long to enumerate here. 
We can refer you to many important corporations, the 
managers of which | are known to you personally. We 
can satisfy you that we can make a truly scientific plant 
appraisal at a reasonable cost, and that we | are worthy 
of your confidence. 

Yours very truly, (383) 

173 

Mr. P. J. Gavin, 

Bangor, Me. 
Dear Sir : — 

Mr. H. G. Harrison has suggested that I write you 
with regard to our ordinary life and 20 -payment life 
policies. 

I am I therefore pleased to enclose herewith sample 
policy on each form, upon the basis of $1,000. For larger 
amounts the figures would be multiplied. | As far as 
the contracts are concerned, they are identical throughout 
a period of twenty years, with the other during life ; and 
| surrender values begin the 2nd year on the 20-pay- 
ment life policy, and the 3rd year on the ordinary life 
policy. There is a difference I in the surrender values 
on account of the difference in premiums. 

All our insurance participates in the annual divi- 
dends of the Company, with the result | that under the 
20-payment life policy the number of premiums may be 
reduced to less than twenty, and the ordinary life may 
become full | paid-up in approximately twenty years, if 
you leave the dividends with the Company; in the 
meantime this gives you an increased amount of insur- 
ance | from year to year. 



150 RUBICAM DICTATION STUDIES 

One form is exactly equivalent to the other in pro- 
portion to the amount invested, it being a question of 
whether you | prefer a maximum amount of insurance 
which a given outlay will purchase, or whether you 
desire a small amount of insurance with the guarantee 
that | the maximum of premiums will not exceed twenty. 

The first premium per $1,000 on the ordinary life 
plan is $29.53 per annum, and on the | 20-payment life 
$39.28. On the basis of dividends paid this year on 
policies issued last year, the net cost the 2nd year on the | 
ordinary life would be $24.54, and on the 20-payment 
life $33.98, which dividends should increase somewhat 
from year to year. In proof of this, | I enclose herewith 
a record on the 20-payment life plan, one of several held 
by Mr. William Roberts, formerly of the National Lead 
Co., I whom you doubtless know. 

We have many policy-holders in the Lead Belt dis- 
trict, any one of whom would state that the American 
is the I cheapest and most satisfactory of all insurance 
carried. The enclosed testimonials will be of interest to 
you, I am sure. 

Rate for insurance is governed | by age, nearest 
birthday. I give you this information so that if it hap- 
pens that you will soon pass the middle mark in the 
year | you -will have this fact in mind. 

I enclose copy of our annual statement. I shall be 
glad to arrange with you by correspondence to | com- 
plete your application, or will see you if you prefer. 

Yours truly, ( 437 ) 



MACHINERY 



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156 RUBICAM DICTATION STUDIES 

174 
Dear Sir : — 

We might state that the pump we use is tested 
with 200 lbs. pressure, and we know several outfits 
which operate under that pressure. | 

However, our experience shows that a large major- 
ity of these are used for operation under not to exceed 
140 lbs. pressure. With this | pressure a very fine mist 
is obtained, which prevents the possibility of the solu- 
tion collecting in drops on the foliage. 

If desired, we can furnish | the engine to operate 
on alcohol, although we are under the impression that it 
will not be cheap enough to justify its use in preference | 
to gasoline and low-grade naphtha. 

Yours truly, d08) 



175 
Dear Sir: — 

We have just issued several new catalogues and 
are sending you under separate cover today samples, 
which we trust you will place on your files | for ready 
reference should you be in need of power equipment. 
The catalogue includes the following: 

No. 44-D is devoted to our line I of horizontal en- 
gines for operation on gas, gasoline, distillate, crude oil, 
kerosene, or producer gas. We call your particular at- 
tention to pages 22 to 25, | inclusive, as we think you 
will find them of interest. 

No. 47-C is devoted to our line of internal combus- 
tion engines used for pumping | purposes. 

No. 48 is a pumping machinery catalogue, which 
includes our line of steam and power pumps for every 
service. 



MACHINERY 157 

In order that we | may know these catalogues have 
reached proper destination, would appreciate having you 
acknowledge same. 

Yours very truly, (142) 



176 
Dear Sir :— 

On this small countershaft, which is geared to run 
at 150 r. p. m., we would place a cut steel spur pinion 
which would | mesh with the cut steel gear on the 
crank countershaft, to run this latter at the same speed 
as the paddle shaft, 43 r. p. | m. 

Our reason for using an extra pair spur gears is to 
make our reduction in spead at this point, as it would | 
be necessary, if we geared direct to the crank counter- 
shaft, to use gears and clutches of so large a diameter 
to carry the load and I make proper reduction that it 
would be out of the question to consider it. 

From the crank countershaft to the paddle shaft we 
would, of course, figure on using pitmans and forged 
cranks and crank plates. 

If the vertical multi-cylinder marine engine is used, 
the same style of transmission | machinery, in our opin- 
ion, would prove entirely successful, and if you would 
use a chain drive to the stern, it would only be necessary 
to have I one reduction and one countershaft. 

We recommend the two friction clutches on the 
beveled gears in preference to a reversing gear, as they 
will stand I more service. A reversing gear is not en- 
tirely satisfactory where it is used much of the time on 
the reverse motion. 

We await with interest I your further comments, 
and shall be glad to be of further service. 

Yours very truly, (240) 



158 RUBICAM DICTATION STUDIES 

177 
Dear Sir : — 

I have just returned from my trip in Southwest 
Missouri, Arkansas, and Indian Territory, and find on 
my desk your letter of March 29th, | in which you sent in 
the order of V. S. Burrowes and Z. T. Clay. I have 
written the home office that I have accepted | this order, 
and we are to furnish one hundred and forty feet seven- 
inch endless canvas belt. I have called their attention 
to the | separator order given by Burrowes in January. 
I have tried to explain to them the division in the pay- 
ments of this engine, and I trust they | will understand it. 

I hope you will see that matters are straight before 
delivery is made. 

Yours truly, (us) 



178 
Gentlemen : — 

In the old-time forges it was customary to reheat 
the axles after forging and to anneal them to remove the 
internal strains set | up by the original uneven heating. 
Certain roads having their own specifications still pre- 
scribe annealing, but we consider this entirely unneces- 
sary under our practice, since | with the initial heating 
the axles are forged complete, and this single process, 
we believe, gives the best results. 

We are able to furnish | axles either smooth forged, 
rough turned on journals and wheel seats, or rough 
turned all over ; but we are not equipped to completely 
finish. This is | usually done at the shop where the 
wheels are fitted. 

Any further information we can give you will be 
gladly sent. 

Yours truly, (12.3) 



MACHINERY 159 

179 
Dear Sir :— 

The standards recommended in 1903 to 1906, in- 
clusive, are identical with those dated 1902. The en- 
closed | prints show the standard axles for use under 
freight and passenger cars and locomotive trucks. In 
addition, we are sending you a file of prints | showing 
axles in common use, which will serve to illustrate our 
line of axles. 

Print M-81 7, Trailing Axles, for use under | cabs of 
large locomotives. In some designs axles similar 
to driving shaft are used for this purpose. 
Print M-897, Narrow Gauge | Axles, for use under 
cars for export shipment, and other equipment of 
a small capacity. 
All axles and forgings are made of open-hearth | 
steel, and the greater part of the axle production is sub- 
ject either to the specifications of the American Society 
for Testing Materials, | those being the same as the 
Carnegie standard, which take the base price, or to the 
Master Car Builders' specifications, which are subject to 
an extra charge | of $3.75 per net ton, inasmuch as a 
chemical check analysis for carbon contents is required. 
Yours truly, U96) 

180 

Gentlemen : — 

In reply to your favor of the 5th ult. we will state 
that our axles are lathed out to exact lengths, centered 
with sixty-degree | centers, and forged to measure in 
the central or tapered portion ; but on the parts requir- 
ing finishing, i. e., end collars, journals, dust guards, | 
and wheel seats, we allow about one-quarter of an inch 
excess metal for finishing. Smooth forged axles are com- 
plete when sent. 



160 RUBICAM DICTATION STUDIES 



For shipment to | distant points, axles should be 
either rough turned on journals or wheel seats, or rough 
turned all over, for in the smooth forged product the \ 
percentage of rejections is greater on account of seams, 
pipes, sand holes, etc., and because with shipments of 
smooth forged axles to points far distant from the mill, 
if defects have developed in turning, we might not only 
be called upon to replace axle, but probably to stand part 
or | all of the freight charges. 

The standard prints show our estimated cr theoret- 
ical, as well as our guaranteed weights. In shipping, if 
the actual weight under-runs [ the guaranteed weight, 
we make the invoice at the guaranteed weight. In all 
cases the railroad bills of lading are predicated on the 
actual weight. | 

Yours very truly, (203) 



181 
Dear Sir :— 

We beg to acknowledge your letter of August 5th, 
indicating certain changes in the specifications for the 
deep well pumping outfit. Following is quotation from | 
our letter from the Simplex Steam Pump Co., dated 
August 6th, which is self-explanatory: 

"l Pump, size 1 3/ 16" diameter by 6" stroke, pump 
having | brass-lined cylinder and plunger. This pump is 
slightly different in design from that described in 
bulletin sent you. 

"16" stroke single vertical power | well head with 
single reduction gears, fly wheel, and pulley for motor 
drives. 

"50 feet of wooden rods for connecting the pump 
piston to the | well head. 



MACHINERY 161 

"The weight of the entire machine is approximate- 
ly 300 lbs." 

The price of the above machine, including the 
pulley, 18" or smaller, | which will allow you to use an 
1800 r. p. m. motor, is $82.50, f. o. b. St. Louis. 

Regarding the float switch for use with the self- 
starter, | would state that either this float switch or a 
No. 59,602 pressure governor to regulate between 30 
and 50 pounds pressure, price $35.00 net, can | be used. 
The pressure governor would possibly be the simplest 
arrangement, inasmuch as it can be installed near the 
pump, while the float switch would | have to be installed 
in the tank, and wires run from there to the motor. 

If there is any further information desired regard- 
ing this proposition, | I shall be pleased to secure it for 
you. Trusting that you may give us the order for this 
apparatus, I beg to remain, | 

Very truly yours, (253) 

182 

Dear Sir: — 

Some time ago we sent you some printed matter to 
assist you in the sale of threshing machinery, and the 
express company has notified us that | you have refused to 
take said printed matter and pay the charges. It seems 
strange to us that you should refuse to pay this small 
charge | in order to obtain the printed matter, as it would 
be a great help to you in making sales. 

We shall be obliged if you | will let us know by re- 
turn mail whether you will take it or not. We should 
also like to ask what you have done with | the McClel- 
lan sale, as we are quite anxious for you to put this 
through if the parties are good; and we understand from 
you that | they are good. 

Yours truly, (130) 



162 RUBICAM DICTATION STUDIES 

183 

Gentlemen: — 

Please advise us if you wish the engine, mentioned 
in your letter of the 1 1th, for ordinary power purposes, 
or to drive a dynamo. 

The | catalogue mailed you under separate cover 
will show you the different styles in which these small 
engines are made. As soon as we know | the style, we 
shall be glad to quote you rock bottom prices. 

We are also mailing under separate cover in- 
struction book of our vertical engines, | and will ask you 
to advise us as to the parts on which you wish prices 
quoted, specifying them by number. 

Yours very truly, 09) 

184 
Gentlemen : — 

We have your esteemed favor of the 30th enclos- 
ing letter of J. H. Kerwin, Gentry, Ark., asking for 
agency for Root Machinery. We will give him | our im- 
mediate attention. 

We also have yours of April 20th enclosing order 
of T. Harris, Farmerville, 111., for Root repairs. We 
will give this | matter prompt attention. Accept thanks 
for above. 

Yours truly, (56) 

185 
Dear Sir :— 

Referring to correspondence in regard to above : 
With return of all papers I hand you letter from General 
Auditor Scudder of Overland Ry. Co., dated I 1st inst., 
advising that D. E. Dutton, formerly employed as clerk 
at Guthrie, Okla., is now employed as clerk at Bald 
Knob, Ark. 



MACHINERY 163 

Please take | this matter up with him. Please see 
that the receipt book is returned to Mr. Scudder. 

Yours truly, (68) 



186 

Dear Sir: — 

Under separate cover we are mailing you instruc- 
tion book applying to our vertical engines, in which you 
will find a chart of repair parts. Will quote you prices | 
on such parts as you may need, if you will advise by 
symbol number. We also enclose catalogue describing 
our vertical and | horizontal engines. As soon as your 
plans mature, we shall be glad to take this matter up 
with you, and give you our estimate on | one of our im- 
proved type engines. 

Very truly yours, (84) 



187 

Gentlemen: — 

We write to inquire when we may obtain your 
Engineer's specifications on the engines you will install 
in your new power plant. We build the | Corliss and 
the High-Speed Four- Valve engines, and shall be glad to 
have an opportunity to quote you on either or both types 
of engines. | 

For your information will state that we have recently 
placed two new types of engines on the market and they 
have both met with great | success. The first is our 
one-piece Heavy Duty Frame engine in which the main 
frame and guide barrel are cast in one massive piece, | 
having an oil cup around the entire base. The other is 
our High-Speed Four- Valve engine, which also has a 
one-piece bed, and | which is equipped with many special 



164 RUBICAM DICTATION STUDIES 



features which make the engine modern and up to date 
in all respects. 

If you are interested in the | engine question at this 
time, please advise us of your requirements, and we 
will supply you with complete data. 

Yours truly, d7D 



188 

Carleton Mfg. Co., 

South Bend, Ind. 
Gentlemen : — 

Referring to No. I6V2 Planters with the old-style 
spouts that take both seed and fertilizer, the factory 
wrote us some days ago that I the numbers necessary 
to convert the old-style fertilizer attachments to new- 
style are as follows : 

"Brackets G 877 and one spout complete, | com- 
posed of one G 866, one G 867 and one G 868." 

On receiving this letter, we wrote | them further 
that the old spout extended back over the openings both 
for the seed and fertilizer, and asked how the extra 
spout was to | be attached. They write us under date 
of July 20th as follows : 

"Answering your letter of the 28th ult. regarding 
the fertilizer attachment for | No. I6V2 Planter, a new 
bracket and spout has been made for this fertilizer, and 
can be attached to the old machine without interference | 
from the seed spout, except that it may be necessary to 
dent the top slightly, but this can be done without injury 
in any way to | the machine." 

Yours truly, (179) 



MACHINERY 165 

189 
H. L. Jennings & Co., 

Cincinnati, Ohio. 
Gentlemen: — 

We are advised that you contemplate the installa- 
tion of a new engine for your plant during this summer, 
and we write to inquire when you | will let contract and 
on "what size and type of engine you are figuring. If 
you are ready at this time to take the matter up, | please 
advise the size, type, and operating conditions at your 
plant, and we shall then be glad to submit our proposition. 

We have many of | our engines throughout Texas, 
and have just recently contracted with the Dallas Light 
and Power Company for an engine for their plant, where 
they already I have several of our engines in operation. 

For your information will state that we are now build- 
ing our Heavy Duty engines with a one-piece | frame, 
giving the engine great rigidity. If you are interested, 
we shall be glad to forward you prints and photographs 
of this engine. Our new | pattern has become very 
popular and we have sold a large number of same in the 
last year. 

Awaiting your reply, we are, 

Yours very | truly, (i 76 ) 

190 

Kauffman Milling Co., 

Dayton, Ohio. 
Gentlemen : — 

You will find our spray outfits described on pages 
23 and 24 of the catalogue mailed you under separate 
cover today. 

You will note | this outfit consists of our well-known 
"Jack-of- All-Trades" Gasoline Engine, mounted on acorn- 



166 RUBICAM DICTATION STUDIES 

mon base, with a high-pressure double-acting spray | 
pump. To eliminate all unnecessary weight, we recom- 
mend the evaporator cooling tank similar to the one 
shown in outfit No. 163 -A, although where | desired we 
furnish standard size tank. 

In addition to these outfits, we put out a complete 
rig which consists of the outfit as shown in | No. 163 -A, 
mounted on suitable trucks in connection with a 250- 
gallon half-round solution tank, in which is placed a 
mechanical | agitator driven from the engine by means of 
a gear. The outfit is complete in every respect, includ- 
ing the suction and four strings of discharge | hose, 
nozzles, pipe extension, etc. 

If you will advise us just when you can consider 
this matter further, we shall be very glad to have | our 
representative in your territory call and give you further 
details. 

Yours truly, dss) 



191 
Mr. J. L. Lowery, 

Evansville, Ind. 
Dear Sir : — 

The following data regarding the manufacture and 
sale of axles and miscellaneous forgings are to supersede 
all | previous advices, and are for your information and 
guidance in soliciting business. You, of course, under- 
standing that all inquiries are to be submitted | to us. 

Miscellaneous forgings, such as rounds, squares, 
shafts, crank-pins, connecting-rods, piston-rods, etc., are 
manufactured at the forge connected with the Upper | 
Union Mills, 29th street, Cleveland, Ohio. The maximum 
diameter desired is about 16 in., although in special cases 
diameters up to 20 in. have been made. The | maximum 



MACHINERY 167 

lengths are 32 ft. for smooth forgings and 25 ft. for rough- 
turned forgings; but on account of weight the length of 
any forging must depend | upon the diameter, for no 
bloom weighing over six tons can be conveniently handled. 
All ordinary machine work and annealing can be done, 
but each | inquiry should be considered separately. 

We are also in a position to manufacture at our 
Upper Mills steel arch bars and striking plates. 

Yours truly, | (175) 



192 
American Steel Foundry, 

Frisco Building, St. Louis. 
Gentlemen : — 

As a general outline of what we produce, will state 
we are in a position to | manufacture all classes of car, 
engine and tender axles, as well as various styles of 
miscellaneous axles, and certain special axles at the forge 
connected | with the Upper Mills, Cleveland. 

The majority of the car and tender axles used today 
are of the dimensions recommended by the Master Car 
Builders' | Association. There are two standard sizes of 
these, the dimensions representing the diameter and 
length of the journal: 

4 14 x 8" Journals— For use under cars | having a 
capacity of 80,000 lbs., and designed to 
carry 11,000 lbs. on each journal, or 
22,000 lbs. per axle. | 
5|/2 x 10" Journals — For use under cars having a 
capacity of 100,000 lbs., and designed to 
carry 19,000 lbs. on each journal, | or 
38,000 lbs. per axle. 
Other standards have been adopted from time to 



168 RUBICAM DICTATION STUDIES 

time by the Master Car Builders' Association, but at 
present these | are the most important. 

Yours truly, (isd 

193 

Carnegie Steel Co., 

National Bank of Commerce Bldg., 
St. Louis, Mo. 
Gentlemen: — 

I send you herewith three revised plans showing 
location of the Pennsylvania plants for the Cooperage 
Co., which will confirm the information telegraphed and 
written to you on Thursday of this week. After a talk 
with Mr. Lang, | who was here on Wednesday, we de- 
cided as follows : 

The floor of the Stave Mill will be dropped down to 
the present grade, excavating underneath | to a sufficient 
depth to give a 6" clearance under the girders ; this ex- 
cavation, of course, will not extend under the entire build- 
ing, as before | you reach the lower end of building 
there is a sufficient fall to give the necessary clearance. 

The Boiler House, as you will note by section | 
drawn on plan, is to have the floor 2 ft. below the stave 
floor, so that you will have considerable excavation for 
same. 

The firing | end of the boilers is to be placed toward 
the kilns, which will reverse the location of the door for 
ashes, so please arrange accordingly. | It may be neces- 
sary to make a small area here, and of course when the 
door for ashes is moved it will move over the | iron cov- 
ering to the lower side of the Boiler House, instead of 
the side shown on present plans. 

The location of the Boiling Vats has | been moved so 
that they are now 15 ft. from stave mill instead of 6 ft. 



MACHINERY 169 

The top of the wall of these vats is | to be level with the 
floor of the stave mill, so that there will be considerable 
excavation for them, and this excavation, as well as | 
that on the boiler house and under the stave mill, will 
be an extra, as it was not included in my figures, and I 
desire that you keep account of it at all of these 
locations. 

I am not able to give you any definite information 
regarding the steam boxes, | as I have not heard from Mr. 
Anderson, but I have the drawing prepared in accord- 
ance with the information I gave you, and if it | is decid- 
ed that they are to be built as contracted for, I will send 
you the drawings at once. 

Yours truly, (371) 



ELECTRICAL 



ELECTRICAL 173 



ELECTRICAL 



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ELECTRICAL 175 

194 

Gentlemen: — 

The core and windings of these transformers will 
be provided with oil ducts whereby the oil can freely 
circulate through both the core and the | primary and 
secondary windings. No part of the copper in these 
transformers will be in excess of |^ n from free circulation 
oil. 

The | oil furnished with these transformers will be 
especially refined for the purpose, and shall have a 
flashing point not less than 380° Fahrenheit. | It will be 
of a base free from moisture, alkalies, acids, or other 
impurities. 

Very truly yours, (92) 

195 

Gentlemen : — 

Answering your objection, as stated in your letter 
of the 10th inst., to the usual method of adjusting wind- 
ings and providing for lubrication on ordinary | trans- 
formers, we call your attention to the advantage 
promised by our Water-Cooled Transformer in these 
respects. 

The windings of these transformers will be so I ar- 
ranged that there will be no difference of potential 
between layers. All layers will be omitted in the 
winding, that heavy discharge or surges will | not break 
down the insulation between the layers. 

Very truly yours, (86) 

196 

Gentlemen : — 

Our transformers are guaranteed to withstand a 
breakdown test after reaching full temperature rise of 



176 RUBICAM DICTATION STUDIES 



25,000 volts. The alternating current is between the | 
high-voltage winding and the low-voltage winding. We 
also have a severe test of 10,000 volts alternating current 
between the low-voltage | winding and the core and 
transformer case. The above test is always applied for 
a period of two minutes. They are also guaranteed to 
withstand | a potential test of twice the normal working 
pressure applied to the primary or secondary coils for a 
period of five minutes. 

We also guarantee | the transformers to have the 
efficiency regulation and to be within the temperature 
rise therein mentioned. They are also guaranteed to 
withstand the | potential test as mentioned above. 

We further guarantee the transformers will comply 
with the tests, specifications, etc., according to the last 
edition of the | Standardization Rules of the American 
Institute of Electrical Engineers. 

Transformers 'will also be guaranteed for a period of 
one year against all mechanical and electrical I defects. 

Respectfully, (177) 



197 
Dear Sir : — 

In answer to yours of the 8th inst. will say that 
after a continuous full load run for a period of twenty- 
four hours at | normal voltage and 25 cycles, the rise in 
temperature in your transformer will not exceed 40° Cen- 
tigrade, the winding to be measured by the | resistance 
method, the core and oil by the thermometer. 

Following full-load run for a period of two hours at 
125% I load, the temperature rise will not exceed 55 
degrees. 

Water Circulation— These transformers will be 
provided with water circulation coils of surface 



ELECTRICAL 177 

sufficient to | obtain the rise in temperature mentioned 
above. The water coils are guaranteed to stand a 
pressure of 200 lbs. per square inch. 

We shall | take pleasure in continuing this cor- 
respondence at your convenience. 

Very truly yours, (137) 

198 
Dear Sir : — 

During the past week we have loaded, and now have 
ready for shipment, the 5,000 K. W. generator, which 
we are to return to | the factory. We have also received 
and have unloaded the 12,000 K. W. cycle generator. 

The loading and unloading of the generator and 
other | heavy parts at this plant takes considerable time, 
as the work has to be done outside of the building, due 
to the fact that we | cannot get the car into the building 
and under the crane. 

We have not been able to do much work on the 
erection of the I 12,000 K. W. unit, as we have not re- 
ceived the oil deflector rings for the middle bearing. I 
have, however, received notice from Mr. | Davis' office 
that these rings were shipped on July 7th. 

Yours truly, (137) 

199 

Gentlemen : — 

Replying to your favor of the 1st inst., we shall be 
pleased to give you any information desired concerning 
our transformers. 

The core and windings | of these transformers will 
be provided with oil ducts whereby the oil can freely 
circulate through both the core and the primary and 
secondary windings. | No part of the copper in these 



178 RUBICAM DICTATION STUDIES 

transformers will be in excess of 14" from free circulat- 
ing oil. 

The oil furnished with these transformers | will be 
especially refined for the purpose, and will have a 
flashing point not less than 380 Fahrenheit. It will be 
of a paraffine | base free from moisture, alkalies, acids, or 
other impurities. 

After a continuous full -load run for a period of 
twenty-four hours at normal voltage | and 25 cycles, the 
rise in temperature shall not exceed 40 Centigrade, the 
windings to be measured by the resistance method, the 
core | and oil by thermometer. 

Hoping that we may receive an order from you in 
the near future for some of these transformers, for which 
we | thank you in advance, we remain, 

Yours very respectfully, Q84) 



200 
Messrs. Butler & Miller, 

Macon, Ga. 
Gentlemen : — 

We have one circuit for lamps here which consists 
of 24 General Electric and 24 Champion lamps. This 
circuit has been operating very | successfully on G. E. 
transformer, giving excellent regulation. The tube at 
the present writing is 850 hours and is still in service. 
When | the Champion transformer arrived it was con- 
nected to this circuit, and the regulation from same very 
poor. After one hour's operation, the tube was | punc- 
tured. This circuit was then connected to the G. E. 
transformer and operated satisfactorily for the next hour, 
during which time a new tube was | placed in the 
Champion outfit; then the circuit was again connected 
to the Champion transformer and operated in same 



ELECTRICAL 179 

manner as before for about one | hour, resulting in an- 
other tube puncture. The circuit was then again con- 
nected to the G. E. outfit and has been operating with 
best results since. | 

The operation at present is not satisfactory. I do 
not think the trouble can in any way be laid to the cable 
system, as the | Champion Co. have no cable trouble, 
and this would certainly seem to indicate that their outfit 
is not yet fully developed, in view of the | fact that they 
have had a repetition here of their experience in Detroit. 

In the above test the primary voltage was checked 
very carefully, so | that we know the fluctuation was 
due to no other cause than poor regulation on the 
transformer. 

Yours very truly, (245) 



201 
Callahan Mfg. Co., 

Toledo, Ohio. 
Gentlemen : — 

Your inquiry concerning proper lead for water- 
cooled transformer is received; we offer the following 
data for your consideration : 

All lead wires will pass through | heavy porcelain 
bushings fastened into cover of the transformer. The 
two primary lead wires extend in and out of the case 6 n . 
There will I be four secondary lead wires passing 
through the cover of the transformer that can be con- 
nected in series or parallel to give 230/480, or 250/500 
volts. 

The transformers will be exact duplicates, so that 
they can be connected in delta or "Y", or | operated in 
parallel without causing any undue interchange of cur- 
rent or disturbance to the system. 



ISO RUBICAM DICTATION STUDIES 



The transformer will be capable of withstanding an 
absolute short | circuit without any injury, for a suffi- 
cient period of time to allow properly adjusted circuit 
breakers to open. 

Trusting we have given you all | the information 
you desire, we are, 

Very truly yours, (159) 



202 
Messrs. Powell & Wilson, 

Wheeling, W. Va. 
Gentlemen : 

In reply to your inquiry regarding the construction 
and operation of the Water-Cooled Transformers manu- 
factured by this Company, I beg to submit information 
as I follows: 

General Data — These transformers will be Single 
Phase Step-down Transformers properly designed for 
operation on 2 5 -cycle circuit. 

Type — These transformers will | be of the core 
type of construction. The low-voltage winding will 
be next to the iron core and well insulated from same. 
The 6,600-volt winding will be wound over the low- 
voltage winding, but separated from same with insulat- 
ing material composed of mica, oiled linen, and | insulat- 
ing papers. All material will be of the highest dielectric 
strength. 

Voltage — The primaries of these transformers will 
be wound for 6,600 volts | and will be provided -with 
taps so that the secondary voltage can be changed to 
230, 240, or 250 volts. All taps ! in the primary wind- 
ing will be brought to terminal boards same as shown in 
blue print which we herewith enclose. 

Case — The case furnished with I these transform- 



ELECTRICAL 181 

ers will be of 14" boiler plate, sides having a vertical 
seam riveted and caulked. Instead of riveting the boiler 
plate to the | cast bottom, as is commonly done, the 
bottom will be cast directly on to the boiler plate, mak- 
ing a perfectly oil-tight joint. This construction | is 
shown in blue print. The cover will be of gray cast 
iron having lugs whereby the entire transformer, in- 
cluding its oil, can be raised as | a unit. 

Auxiliaries to the Case —There will be supplied 
with each case a thermometer reading in Centigrade de- 
grees to give the temperature rise of the | oil, or if pre- 
ferred we can supply thermo electric alarms to be at- 
tached to the transformer cases and set at any temper- 
ature rise desired. | Each case will be provided with a 
large globe valve of sufficient size to quickly withdraw 
the oil, and a pet cock will also be | supplied at the 
bottom of the case for sampling the oil. Each case will 
also be provided with sight level oil gauges mounted 
near the | top of the transformer case. 

Dimensions of Case— Each case will occupy a floor 
space approximately 65" x 54" by a | height of 110". 

This office will be pleased to answer any further in- 
quiries regarding these transformers that you may de- 
sire to make. | 

Very truly yours, U03) 

203 
SPECIFICATIONS FOR 6 200-K. V. A. TRANS- 
FORMERS. 

General Data: — Transformers will be of the single 
phase step-up or step-down type designed | for operation 
on 60 cycles. Primary will be 2,300 volts. Secondary 
will be 17,000 volts. 

Case : — The case will be of corrugated | sheet steel ; 



182 RUBICAM DICTATION STUDIES 

each corrugation will be practically 3" deep. All seams 
will be brazed. The bottom will be cast directly on to 
the sheet | iron sides, making a strong, substantial and 
perfectly oil-tight case. Provisions for handling the case 
will be found on the cover of the | transformers. 
Stay bolts passing from the bottom of the transformers 
through the cover will relieve the sides from any strain 
from raising or lowering the I transformers. 

Leads : —The lead wires will be brought out 
through the cover, and will pass through heavy 
scalloped porcelain bushings, and heavily insulated to 
withstand | at least three times the primary or second- 
ary potential they are operated upon. 

Insulation :— Transformers will be guaranteed to 
withstand an alternating current voltage test | of 50,000 
volts between the 17,000-volt winding and the 2,300- 
volt winding. They will also withstand an alternating 
current voltage | test of 18,000 volts between the 2,300- 
volt winding and the core or case of the transformer. 

Temperature : — The temperature rise of these 
transformers operated | at full load and at 100% P. F. will 
not exceed 40 degrees Centigrade above the surround- 
ing air. At 25% overload following the full-load | run, 
temperature rise will not exceed 55 degrees C. above 
the surrounding air. 

Ventilation: — Transformers will be provided with 
oil ducts through which the oil can | freely circulate. All 
parts of the windings will be within l/4" of the free 
circulating oil. The cores of the transformers will also 
be | provided with oil ducts through which the oil can 
freely circulate. 

Oil: — The oil furnished with these transformers 
will be free from moisture, alkalies, acids, | and other im- 
purities, and will be thoroughly refined for the purpose. 
It will have a flash point not less than 1 75 degrees C. 



ELECTRICAL 18S 

and an | insulation test of 40,000 volts between contacts 
set 2" apart. 

Guarantee : —The transformers are guaranteed 
against burnouts for a period of one year and against | all 
inherent mechanical and electrical defects, except in 
case of very excessive overloads or misuse. We further 
guarantee them to carry 50% overload for a | period of 
ten hours without undue heating or injury to the insula- 
tion or any part of the transformers. 

Respectfully submitted, (421) 



204 
Mr. L. N. Nelson, 

Detroit, Mich. 
Dear Sir : 

I have before me a copy of your letter of August 
10th to Portland, which has been referred to me by Mr. 
Hobbs, | in reference to electrically operated steam 
shovels. I have just dictated a letter on this subject to 
people who are inquiring for an electric shovel | and I 
give below extracts therefrom. You will realize prob- 
ably better than the ordinary user that with a power 
shovel going three or four | cycles a minute, which 
would mean accelerating the hoisting motors three to 
four times a minute and the swinging motor six to eight 
times a | minute, the duty on any suitable control system, 
such as type M, would be several times as great as that 
given in any other service. | When the thrusting motion 
is stopped during the digging motion, full thrusting 
power must be applied by the motor, although stationary, 
and when stopped with | the dipper out of the bank a 
brake would go on and off — at least a dozen times a 
minute — whereas with a steam engine | all one does is 
to turn the steam on and off. A steam shovel in hard 



184 RUBICAM DICTATION STUDIES 

work is plunging and vibrating under the digging action | 
all the time and is a mighty poor foundation for such an 
apparatus. No motion as a rule takes more than three 
or four seconds. | The motors would run from 50 to 100 
h. p. each, mill rating, depending on the size of the 
shovel, and there would be two of | these motors in 
parallel on the main hoist. They would practically 
always be running on resistance, and the thrusting motor 
with its requirement of sustained | push and pull with- 
out motion would have to have a large fixed resistance 
in circuit. 

The digging motion, too, is apt to be arrested sud- 
denly | by any resistance — encountering stumps, large 
stones, etc., imbedded in the bank. In many classes of 
work this will happen more or less at every | dipper 
stroke. The power of the steam shovel is limited so 
that it will exert 90% of its power while working, and 
stalling will | not run the stresses up more than 10% or 
so. The engines used on steam shovels — with no fly 
wheels, comparatively little inertia, full | pressure main- 
tained throughout practically the whole stroke — are ideal 
for this purpose ; the electric motors are exactly opposite 
in all their characteristics and could only | be adapted to 
these conditions by elaborate, costly and complicated 
controlling apparatus, as compared with an elementary 
throttle valve on each engine. As shovels are | almost 
invariably installed on new railroad construction and 
places remote from shops, repair parts, etc., and as the 
plant dependent on a shovel, consisting of | locomotives, 
cars, etc., rarely costs less than $100.00 a day for opera- 
tion, the great advantages of avoiding complicated appar- 
atus with which men available on | steam shovel jobs 
cannot but be wholly unfamiliar, will be evident. 

On the other hand the closed air system outlined in 
the letter quoted from | below is very efficient. Mr. 



ELECTRICAL 185 



Northrop, head of the Northrop Engineering Company, 
who has built the finest air compressor plants in the 
world, and Mr. | Lewis of the Rand- Lewis Company, 
both have stated that this system would be about three 
times as efficient as the ordinary use of air | piped from 
a stationary air compressor and exhausted into the 
atmosphere. More than half of the power developed by 
the motor should therefore appear in | the shovel, 
whereas the electric motors direct connected to the 
machinery could not, in my opinion, under the condi- 
tions named above, possibly develop 50% | average 
efficiency. We estimate that a 75 h. p. motor driving a 
suitable air compressor will take care of a 45 -ton shovel, 
a 100 I h. p. motor will take care of a 70 or 75 ton shovel, 
and a 140 h. p. motor will take care of a 95 -ton shovel. | 
The above is on the assumption that the shovel will be 
worked rapidly and steadily. 

Very truly yours, (668) 



205 

Blackwell & Peirce, 

Minneapolis, Minn. 
Gentlemen : — 

In reply to your letter of inquiry, we beg to submit 
the following recommendation on the use and efficiency 
of electrically operated steam shovels: | 

We do not recommend the direct operation of 
shovels by electric motors, but recommend the combi- 
nation electric and closed air system, described below. 
The frequent | and rapid starting and stopping of the 
various motions require, when motors are used direct, 
far more complicated and delicate controlling apparatus 
than the simple | throttle valve on a steam engine. A 
shovel is not a suitable place for the automatic and relay 



186 RUBICAM DICTATION STUDIES 

control apparatus, which should be used with | direct 
motor application. If to avoid this a plain street car 
controller is used, the constant operation — several makes 
and breaks a minute on each | of the three controllers — 
will cause rapid deterioration, and to rely on fuses 
or circuit breakers, which would have to be restored by 
hand to | protect the motors when digging or thrusting 
motions are stalled, would mean intolerable delay and 
annoyance. 

For the above and other reasons we recommend | 
the use of the standard steam shovel in combination 
with a motor-driven air compressor operating on the 
closed system. In this system the exhaust | air, instead 
of passing into the atmosphere, is returned under con- 
siderable pressure to the compressor, to be pumped 
again into the receiver at about double | the exhaust 
pressure and drawn from that for operating the engines 
as desired. 

This system is highly efficient ; at least two or three 
times as | efficient as the ordinary way of compressing 
air to about 100 pounds, transmitting it through pipes, 
and exhausting it into the atmosphere. In fact we | 
believe that the compressed air system, in which one 
motor would be running most of the time at its maximum 
efficiency, the air simply being | used as a quite efficient 
method of transmitting the power from this motor to 
the shovel movements, would take less current than the 
directly applied | motors, which would be starting and 
stopping practically all the time. The compressor and 
motor would be installed on a flat car behind the 
shovel, | involving no more complication in bringing 
electric power to the shovel than with direct connected 
motors. The closed system proposed does not require 
cooling water | on the compressor, or reheating the air. 

"We have built more electrically operated excavating 



ELECTRICAL 187 

apparatus, including elevator, hydraulic and dipper 
dredges, than all other makers combined, | and our 
recommendation is therefore not based on any fear of 
electric application, but on knowledge of its limitations 
for shovel conditions. 

Very truly yours, | (425) 



LAW 



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LAW 193 



206 



Dear Sir : — 

We took the depositions in your case last Monday, 
and the hearing of the five absent witnesses will be held 
on next Monday. | The case has been assigned to Di- 
vision No. 2, and appears under the name of "Bert vs. Hill, 
No. 54,789." 

We have a little | proposition to make you in the 
way of a loan. If you will send your representative up 
to our offices, Illinois Building Annex in this | city, we 
will talk the matter over with him, as it may be advan- 
tageous to both parties. 

Trusting you will let us know whenever we | can 
be of service, we are, 

Very truly yours, dog) 



207 

Dear Sir: — 

Some time ago you notified Mr. Cooke, of the firm 
formerly known as Cooke, Martin & Cooke, that you 
have been retained to | represent the plaintiff in the case 
of Brown & Buschman vs. Kernan et al., and that the 
case would be returnable to the October term. | I repre- 
sent the defendant in the case, and should like to have a 
personal conference with you in the near future in 
reference to a compromise. 

I understand that you are also connected with a 
replevin suit in which I, too, am interested, and I should 
like to talk over | this case with you. 

Hoping to hear from you in reference to a conference, 
I am, 

Very sincerely, (H7) 



194 RUBICAM DICTATION STUDIES 

208 
Dear Sir : — 

I have read this morning, with some surprise, your 
letter of the 7th inst. giving your extraordinary con- 
clusions as to why the Continental | Accident and 
Guaranty Company would not make a settlement with 
my client, A. B. Skinner, for the amount paid by him in 
compromise of the | claim against him, on which suit 
was instituted in the Circuit Court, by E. N. Winner, a 
minor. 

As to your legal objections, I prefer | not to discuss 
those, but to leave them to a jury. 

The fourth statement in your letter, however, is so 
contemptible and uncalled for that | I feel it my bounden 
duty to answer it. 

You must, indeed, be hard pushed for a defense to 
even intimate such a theory, | and I only hope that when 
the case is tried you will reiterate it, so that I shall be in 
a position to call you I to a personal account. 

Very truly yours, (i 57 ) 

209 

Dear Sir: — 

Your letter of the 4th inst. received, and in reply 
will say that the case of Forman vs. Forman has been 
set for | September 21, 1911, at which time we will 
positively get to trial. 

Will you please send me a list of witnesses, as you 
promised? | I shall have to get out subpoenas for them 
before September 1, 1911, as the trial comes up in that 
month. 

Hoping to see | you before the depositions are taken, 
I remain, 

Very truly yours, (m) 



LAW 195 

210 
Dear Sir: — 

In looking over some old papers we find the original 
Articles of Incorporation of the Bell-Haskel Construction 
Company, in connection with which | we had some cor- 
respondence and in which we were representing the oid 
firm, Bell-Marse Co. 

Thinking that your clients would like to have this | 
document among their papers, we beg to enclose the 
same herewith. 

Yours very truly, (64) 

211 
Gentlemen : — 

We have your letter of May 26th asking us to take 
up with claimants' attorneys the question of settlement, 
and also to find out | from them the theory upon which 
they intend to predicate negligence on the part of the 
assured. We shall give this matter our prompt | atten- 
tion and let you hear from us within the next two or 
three days. 

Yours truly, (.,8) 

212 

Dear Sir : — 

We notice in this morning's "Daily Record" that 
you have filed suit against our firm in the sum of 
twenty-five thousand dollars ($25,000). | 

This is the second suit you have filed for the 
October term of the Circuit Court. 

Will say we are prepared to defend our interests | 
and have employed Keefer & Harris as our attorneys. 
They will arrange for a conference, and should you 
decide to compromise this case, we shall | abide by 
their decision. 

Respectfully, (80) 



196 RUBICAM DICTATION STUDIES 



213 
Dear Sir : — 

Will you kindly have report prepared showing the 
number of freight cars and their tonnage capacity, 
owned by the system and its subsidiary | lines for the 
following years: 

1904—1905-1906—1907—1908 

It is highly necessary that this information be got- 
ten out | quickly for use in the above case, which, as we 
advised you in a previous letter today, will come up for 
trial at Cairo, 111., | Sept. 10, or shortly thereafter, and in 
which the Company is sued for failure to furnish cars. 

When this statement is prepared, kindly furnish 
name | of party who can testify thereto. If Mr. Black 
can testify to this as coming from the record of the 
Company, covering the Department of | which he is in 
charge, his testimony will answer all purposes. 

Yours truly, (138) 



214 
Dear Sir: — 

In obedience to the requirements of Section 8978 of 
act approved March 20, 1907, I hereby request informa- 
tion as | to whether your corporation has any of its 
business or interest in or with any trust, combination or 
association of persons or stockholders, as named | and 
described in the provisions of said act. An answer is 
required, under oath of the president, secretary, or 
managing officer of your company, and | to that end a 
form of affidavit, as prescribed by law, accompanies this 
letter. 

Your failure to make the affidavit in the form pre- 
scribed by | law, within thirty days from this date, will 
subject your corporation to a fine and forfeiture of char- 



LAW 197 



ter and of its privilege to transact business | in this state. 

If your corporation has dissolved or ceased to exer- 
cise its corporate existence, you should immediately 
report the fact to this office in | order to avoid prosecu- 
tion. Blanks for this purpose will be furnished you 
upon application. 

This matter should receive your immediate atten- 
tion. 

Very respectfully, (173) 



215 
Dear Sir: — 

The case has been continued until the September 
Term of the Circuit Court of the City of St. Louis. 

If you receive any | more letters from Harris or 
Sellers in re a compromise of the case, please send them 
to me and let me answer them. The proposition | sub- 
mitted to them to buy out for one hundred dollars ($100) 
and to sell for two hundred and fifty dollars ($250) is, of 
course, | too absurd to discuss, but if you were correct 
in your surmise that the crop will have made from five 
to ten thousand dollars, I | wouldn't, if I were in your 
place, hesitate to buy out Harris and Sellers ; but this 
is a question of policy rather than one of | law, and 
you are probably better able to determine your course 
than I am. 

If you are going to try the case in September, we | 
had better begin to take our testimony now, so that we 
shall be thoroughly prepared, but if there is any chance 
of compromising it, it | will be a waste of time and 
money to take any testimony. 

Very truly yours, (190) 



198 RUBICAM DICTATION STUDIES 

216 
Dear Sir : — 

I have your favor of the 10th inst. and note contents. 

Yesterday I received from Mr. Black wall a letter 
enclosing a copy of ! an amended petition filed by Green 
& Lake, and note that the case has been set down for 
trial on the 2nd of June. 

Kindly send me the names of the persons whose 
depositions you wish to take, and also a memorandum 
of what you expect to prove by them. | It will also be 
necessary for you to raise sufficient money to pay the 
stenographer and notary before whom these depositions 
are taken, and if | they are to be of any great length, you 
had better make arrangements to put up seventy-five or 
one hundred dollars, as testimony taken | in that way 
runs pretty high. I am writing Blackwall today to see 
whether there is any possibility of getting a postpone- 
ment and shall advise | you as soon as I hear from him. 
Very truly yours, dei) 

217 
Franklin Steel Co., 

Allegheny, Pa. 
Gentlemen : — 

Will you kindly have statement prepared showing 
the number of men employed in our car shops from 
July 1, 1908, to March 31, | 1909; also the number of 
men employed during the corresponding nine months of 
the previous year — or, in other words, from July 1, 
1907, I to March 31, 1908— in order that the two seasons 
may be compared. 

General Foreman E. W. Gooding was present at 
the previous | trial of the case, and our testimony tended 
to show that the Company was working a full force of 



LAW 199 

men at all the shops on | the system, and that the cars 
were never in better average condition than in the fall 
of 1908, although our evidence on this point was | not 
quite satisfactory. 

Also kindly show, by months, the number of bad 
order cars on hand during these two periods. 

This case will come | up for trial shortly after 
September 10, 1910, at Decatur, 111., and no time should 
be lost in preparing data to be presented to our | 
attorneys, in order that Mr. Gooding may be fortified 
therewith to enable him to testify definitely as to the 
exact situation. 

Please acknowledge receipt. 

Yours truly, | (200) 



218 
Mr. F. W. Barrows, 

Portland, Ore. 
Dear Sir : — 

I have your letter dated Memphis, Tenn., May 22, 
1910. By the Constitution of the State of Missouri, the 
State has | concurrent jurisdiction over the River Missis- 
sippi and every other river bordering on the State as far 
as said rivers shall form a common boundary to | this 
State and any other state or states. The Supreme Court 
of Missouri in the case of White vs. Davis and R. O. 
Anchor Line, | 94 Mo. 23, decided that the jurisdiction 
of the State of Missouri extends over the entire Missis- 
sippi River as far as it forms | a common boundary 
between it and the State of Illinois, and that the laws of 
the State of Missouri apply to it. Now, whatever may 
be | said about the Constitution and the boundary lines 
of other states, I do not think there can be any serious 
question about the right of | the State of Missouri to 



200 RUBICAM DICTATION STUDIES 

enforce its laws on those rivers forming a boundary line 
between it and other states. I don't believe there is | 
much in your interstate commerce proposition. I think 
your strongest point is the unreasonableness of the 
ordinance, and if you will get me a copy | I will try to 
look into it for you. 

Yours truly, (211 ) 



219 
Mr. H. L. Nixon, 

203 Houser Bldg., 

Seattle, Wash. 
Dear Sir: — 

I have yours advising me that your client has 
instructed you to institute suit against the Jefferson 
Accident and Guaranty Company for the amount | paid 
out by him in the above matter, aggregating, as you say, 
with court costs, the sum of $165 and asking for the 
attitude | of the Company with reference to the settle- 
ment. 

In reply I beg to say on behalf of the Company 
that it respectfully and positively declines | to pay any- 
thing whatsoever in settlement of this purported claim 
under its policy, and to state herewith our reasons, to- wit: 
Because the injury to | Bakewell was not covered by 
the policy : 

1st — Because not due to the negligence of a sub- 
contractor. 
2nd — Because Church was not the owner | of the 
property in question at the time of the accident. 
3rd — Because the cause of action started in the 
petition which you | saw fit to compromise was 
based on the negligence of the owner of the 
premises at the time of the accident 



LAW 20 1 

4th — Because the judgment | against Church and 
the dismissal of the case was procured by 
collusion with plaintift's counsel for the mere 
purpose of endeavoring to make out a | case 
against my client under its policy; and, 

Lastly — Because there was no legal liability to the 
plaintiff in this case even on the part I of the 
real owner, because plaintiff at the time of the 
accident was, if not a trespasser, a bare licensee 
to whom the owner owed | no affirmative duty. 
Yours truly, (255) 



220 

Excelsior Construction Co., 

1020 Fullerton Bldg., 
St. Louis. 
Gentlemen: — 

Mr. Albert L. Miller, of your company, has put in 
our hands the settlement of the four death claims and 
the one claim for | personal injuries arising out of the 
falling of a scaffolding at one of the assurer's storage 
warehouses on March 22nd last. 

We made an | agreement with Judge Sommers, of 
Root and Sommers, attorneys for the assured, providing 
that we should proceed to settle all these claims and 
that we I should pay seventy-five per cent (75 c /c) of the 
amount necessary to do so and the assured would pay 
twenty-five per cent (25%); provided, of course, | that 
maximum amount to be expended by us should not 
exceed $10,000, the limit of your policy. 

Mr. Miller telegraphed to Boston for | Mr. Carter, 
who arrived here Monday, and with the very efficient 
co-operation of Mr. Jackson, whom you employed to 



202 RUBICAM DICTATION STUDIES 

investigate these claims, has been able I to secure two 
very effective settlements. 

Judge Sommers has been very active in co-operating 
with us, and we now expect to dispose of the four | 
death cases for about $8,000 ; we hope to settle the case 
of the injured man for an amount not to exceed $1,000. 

The man i who was not killed, but whose arm was 
severely injured by a compound fracture, is getting along 
as well as could be expected and appears I to be ready 
to settle his claim as soon as the doctors can say what 
the probable extent of his injuries will be. We have I 
arranged to keep him in a friendly frame of mind by 
paying his expenses at the hospital, and he in turn has 
agreed not to I consult with or employ an attorney. "We 
hope that satisfactory settlement can be made with him 
in the near future. 

We have gone over the | statements of the several 
witnesses in connection with the accident and have had 
several conferences with Judge Miller and Mr. Jackson, 
and we I feel satisfied that the whole matter is being 
handled in the most effective way possible under the 
circumstances. 

We shall keep you advised of any ! new develop- 
ments which may arise in connection with these claims, 
and we hope our efforts in your behalf will be satis- 
factory to you. 

Yours truly, | (875) 

221 
Mr. E. W. Sprague, 

Shreveport, La. 
Dear Sir : — 

Your favor of the 29th ult., in relation to your 
Jackson County land, received. 

The Legislature of Missouri amended the home- 



LAW 20S 

stead law in | 1895 by striking out certain pro- 
visions. I suppose if Mr. Jones died in 1896, as stated 
in your letter, the law at that time would | govern your 
case. Judge Brown held in Hayes vs. Cox, 153 Mo. 
242, and in re Marvin's Estate, 157 Mo. 151, that the 
homestead of | the head of a family cannot be sold for 
the payment of his debts, subject to the homestead of 
the widow and children while the | widow lives or re- 
mains unmarried and while the youngest child remains 
a minor. Later on, in Blaine vs. White, 160 Mo. 1, 
Judge Burke held | the other way and wrote a strong 
opinion stating that it was never the intention of the 
law that an estate should be in process | of settlement 
for, say, possibly twenty years or more, until the 
youngest child became of age, or possibly fifty years dur- 
ing the lifetime of | the widow, nor that there should be 
more than one administration upon the same estate, one 
or the other of which would be absolutely necessary, | 
and that the land subject to the homestead was subject 
to sale or the payment of debts against the estate. He 
held further that the | law intended that the whole 
estate should be administered, including the homestead, 
subject, however, to the homestead rights of the widow 
and children. 

This opinion | was written while the case was in 
Division 2 of the Supreme Court. The case was then 
transferred to Court in banc and his opinion was | adopt- 
ed as the opinion of the whole Court; but the Court 
held that the facts in that case occurred prior to the 
amendment of I 1895 and that the opinion of Judge 
Burke in the Blaine-White case was not in conflict with 
the cases of Hayes vs. Cox and | in re Marvin's Estate ; 
but did hold that "The rulings in those cases to the 
effect that the homestead of a deceased housekeeper or 
head | of a family within the statutory size and limits, 



204 RUBICAM DICTATION STUDIES 

cannot be sold under the homestead law of 1875 by an 
order of the probate court | of the proper county for the 
payment of the debts allowed against the estate of the 
deceased, subject to the homestead rights of a widow | 
and minor children, are disapproved." In this opinion 
all the judges concurred. 

This case involves a very close question and you 
had better consult your | lawyer up there before taking 
any steps in the matter. 

Yours very truly, (438) 



222 



MEMORANDUM ON MOTION FOR NEW TRIAL. 

The petition in this case charges that plaintiff was 
an employe of the defendant and was injured by another 
I employe of defendant who was acting under immediate 
orders of an officer, foreman, and vice-principal of said 
defendant, and who negligently and carelessly threw | a 
large timber from the fourth floor of defendant's building 
upon plaintiff, thereby causing the injuries complained of. 

The petition in another paragraph charges that | the 
injuries complained of were due to and caused by the 
negligence aforesaid in ordering defendant's employe to 
throw the timber from the fourth floor | into the yard 
and upon the plaintiff. 

The evidence introduced by plaintiff and defendant 
both shows very clearly that the employe, Sutter, who 
threw the | board out of the window which struck the 
ground and fell on plaintiff, was working on the fourth 
floor of defendant's building helping Koenig, whom | the 
evidence showed to be the varnish foreman. 

On the morning of the accident, Sutter and Koenig 



LAW 205 

were taking down some old shelves and were | keeping 
some of the boards and throwing away others out of the 
window. 

The evidence is clear and uncontradicted that two 
boards were thrown out | of the window at or before the 
time plaintiff was hurt. Koenig was ripping boards 
from the shelves and handing them to Sutter. Before 
throwing | out the first board, Sutter asked Koenig 
whether he wanted to use it and Koenig said, "No, you 
might as well throw that out ; it | is good for nothing." 
Sutter then went to the window, looked out, saw plain- 
tiff working down near the east end of the building, 
about twenty-five | feet away, and thereupon threw the 
board out of the window. In two or three minutes 
Koenig handed Sutter another board which looked to 
Sutter like | the first one he had thrown out of the win- 
dow, and he thereupon proceeded to throw it out of the 
window without looking. There was | no order given 
Sutter to throw this second board out, nor was Koenig 
in a position, as far as the evidence shows, to look out | 
of the window himself to see if anyone was underneath. 

The negligence, if any, in this case was the neg- 
ligence of Sutter in failing to I look out of the window 
before he threw out the second board, which he says he 
threw out two or three minutes after he had | thrown 
out the first. 

It will be conceded that Sutter and the plaintiff 
were fellow-servants and the only possible theory upon 
which the defendant | can be held liable in this case is 
that the varnish foreman, Koenig, was himself negligent. 
We submit that on this point there was no | evidence of 
any kind tending to show that Koenig knew, or ought to 
have known, that anyone was working below the window 
from which Sutter | threw the board. 

Furthermore, Sutter looked before he threw the first 



206 RUBICAM DICTATION STUDIES 

board and the presumption was that he would look again 
before throwing out any | more boards. The order to 
throw out the first board was the only order given by 
Koenig, but even had Koenig given an order to | throw 
out the second board, the manner in which the order was 
executed, if negligent, was the only negligence, and not 
the order itself. 

In I the case before your honor Sutter and the 
plaintiff were fellow-servants and the manner of throw- 
ing out the board which injured plaintiff did not | pertain 
to the duty which the defendant owed to the plaintiff. 
There is no charge in the petition that defendant failed to 
furnish a reasonably | safe place in which to work, but 
the theory upon which plaintiff brought his suit and in- 
troduced his evidence is that Koenig, the varnish fore- 
man, | ordered Sutter to throw the timber into the yard 
and upon the plaintiff. The evidence wholly fails to 
prove any negligence on that point. 

The | evidence of the plaintiff himself shows that he 
was guilty of contributory negligence. He testified on 
cross-examination that he had seen lumber thrown out | 
on the morning that he was hurt. In answer to your 
Honor's question, he admitted that he knew that lumber 
was being thrown out of I the window. 

Witness Rand, who worked in the yard with plain- 
tiff, testified that he warned plaintiff a little while before 
the accident to look out i for boards. 

All of the evidence showed that boards had been 
thrown out of the windows for three or four days prior 
to the morning I on which plaintiff was hurt, and the 
plaintiff knew of this fact. 

The negligence in this case was the plaintiff's own 
in placing himself in a position of danger after having 
been "warned by his helper. 

In conclusion, we respectfully submit that the 



LAW 207 



defendant was guilty of no negligence; that Koenig | 
was guilty of no negligence; that Sutter, if negligent, 
was at the time careless only in the manner of the per- 
formance of his duty and | that his negligence, if any, 
was the negligence of a servant ; that plaintiff was guilty 
of negligence in failing to show ordinary care for his | 
own protection. 

For these reasons, we submit that the motion for a 
new trial should be sustained. (867) 



208 RUBICAM DICTATION STUDIES 

POWER OF ATTORNEY 

KNOW ALL MEN BY THESE PRESENTS, 
that I, John Smith, of Canton, in the County of Stark, State 
of Ohio, have made, constituted, and appointed Charles 
Brown, of Akron, County of Summit, State of Ohio, a 
true and lawful attorney for me and in my behalf 
to sell and dispose of, absolutely, in fee simple, the 
following described tract of land, or any part thereof, in 
the County of Stark, State of Ohio, to- wit : — 



hereby giving and granting unto my said attorney full 
power and authority generally to do and perform all and 
every act | whatsoever requisite or proper to effectuate 
all or any of the premises, with the same powers and to 
all intents and purposes with the same validity as if I 
were personally present, hereby ratifying and confirm- 
ing whatsoever my said attorney shall and may do by 
virtue hereof in the premises. 

IN WITNESS WHEREOF, I, the said John Smith, 
have hereunto set my hand and affixed my seal, this 
fifteenth day of January, in the year of our Lord one 
thousand nine hundred and five. 

Signed, | sealed and delivered 

in the presence of (207) 



[Seal] 



LAW 209 



STATE OF MISSOURI, ] 

r SS. 

CITY OF ST. LOUIS. J 

IN THE CIRCUIT COURT, CITYOEST. LOUIS 
DECEMBER TERM, 1903. 



George P. Faversham, 

Plaintiff, 

vs - } No. 5637 Room No. 15 

Sterling Realty Company, 
Defendant. 

Now comes plaintiff in the above entitled cause and 
moves the Court to strike from the files the answer 
filed by defendant in the above entitled cause on No- 
vember 10, 1903, which is in words and figures fol- 
lowing : 



and that said answer, filed on November 10, 1903, was 
an amended answer, and that said amended answer is 
improperly entitled as an original answer, and that no 
leave of Court | was obtained by defendant to file said 
amended answer as required by Rule 22 of this Court. 



(120) Attorneys for Plaintiff. 



210 RUBICAM DICTATION STUDIES 

CONTRACT OF SALE 

KNOW ALL MEN BY THESE PRESENTS, 
that I, Charles Williams, of Columbus, Ohio, of the first 
part, for and in consideration of the sum of fifteen 
hundred (1,500) dollars, lawful money of the United 
States, to me in hand paid by Henry Anderson, of 
Springfield, Ohio, of the second part, the receipt whereof 
is hereby acknowledged, have bargained and sold, and 
by these presents do grant and convey unto the said 
party of the second part, his executors, administrators 
and assigns, all my interest in the publication of that 
certain book entitled "Forestry in America," consisting 
of one | thousand stereotyped plates of said book. 

TO HAVE AND DISPOSE OF the same as his 
own property. And I do covenant and agree to and 
with the said party of the second part, that I am the 
owner and have the right to transfer said property, and 
will defend the same against any person or persons 
whomsoever. 

IN WITNESS WHEREOF, I hereunto set my 
hand and seal, the tenth day of March, one thousand 
eight hundred and ninety-three. 

Signed and delivered 
in the presence of 

[Seal] 

(186) 



LAW 2 1 1 



AFFIDAVIT 

STATE OF MISSOURI") 
CITY OF ST. LOUIS. ) 



James H. Browning, being duly sworn on his oath, 
states that he is one of the attorneys for the Duplex 
Lumber Company, a corporation, plaintiff in the above 
entitled cause, that there is reasonable ground to believe 
that such judgment debtor, John P. Douglas, has property 
subject to execution, and has conveyed, or attempted to 
convey, his property with a design to defraud, hinder or 
delay his creditors ; that this affidavit is made to the 
best of the knowledge and belief of this affiant. 

James H. Browning. 



Subscribed and sworn to before me this 12 th day 
of January, 1904. 

My commission expires on the 1st day of January, 
1905. 

Samuel P. McClelland, 
[Seal] Notary Public, City of St. Louis. 

(107) 



212 RUBICAM DICTATION STUDIES 

WILL 

KNOW ALL MEN BY THESE PRESENTS, that 
I, William Blackstone, of the City of Cincinnati, in the 
County of Hamilton, and State of Ohio, being in good 
health and of sound and disposing mind and memory, 
do make and publish this my last will and testament, 
hereby revoking all former wills heretofore made. 

FIRST : I hereby constitute and appoint my wife, 
Susan B. Blackstone, to be sole executrix of this my last 
will, directing my said executrix to pay all my just debts 
and funeral expenses and the legacies hereafter provided 
for out of my estate. 

SECOND : I give | to each of my children, Emma 
B. and Mary H. Blackstone, the sum of ten thousand 
($10,000) dollars, to be paid to each of them as soon 
after my death, or within two years, as conveniently 
may be done. 

THIRD : I devise to my executrix all the rest and 
residue of my real estate, so long as she shall remain 
unmarried and my widow, with remainder thereof, on 
her decease or marriage, to my said children and heirs 
respectively, share and share alike. 

IN TESTIMONY WHEREOF, I hereunto set my 
hand and seal this twenty- fifth day of May, one thousand 
eight | hundred and ninety-three. 

[Seal.] 

Signed and sealed by the said William Blackstone, 
who, at the same time, published and declared the same 
as and for his last will and testament, in the presence of 
us, who in his presence and in the presence of each other 
and at his request, have hereunto subscribed our names 
as witnesses. 

r Witnesses. 



LAW 213 



SPECIFICATIONS 

For the Residence of Mr. C. H. Christy, Buffalo, 
New York. 

These specifications are intended to embrace the en- 
tire structure, complete and ready for occupancy. For 
a particular description of the work, see the drawings, 
which are to be considered with and made part of these 
specifications. 

Excavations: 

Foundation trenches for outside walls are to be ex- 
cavated to a depth of 4 ft. below base of rail. The earth 
is to be thrown inside of walls, to be carefully back-filled 
behind same, and to be raised to height on drawings to 
support floor. 

Stone Work: 

Foundation, masonry and concrete work are to be 
built to correspond with the dimensions given on the 
drawings. All stone to be best | quality obtainable in 
the vicinity of the work. 

Carpenter Work: 

All framing lumber to be yellow pine. 

1st story joist to be 2 x 8 x 16 center bridged. 

2nd story " " "2x8x16 " 

/~\ -f it it it n A 1 f tt << 

Ceiling 2 x 4 x 16 

Roof rafters " "2x4x16 " " 






Studding ^ ^ 2 x 4 x 16 

' Porch joist " 2 x 6 x 16 

Roof sheathings to be 1 x 4 No. 2 Y. P. boards, 
laid 1" apart, firmly nailed to | each rafter, and covered 
with extra A star shingles. Outside walls to be sheathed 
up with No. 2 Y. P. boards and red rosin sized building 
paper. ' (227) 



214 RUBICAM DICTATION STUDIES 

ABSTRACT OF TITLE 

St. Louis, August 25, 1911. 
Mr. Charles E. Swift, 

210 Olive St., St. Louis. 
Dear Sir : 

We have ' examined the abstract of title shown us 
to lot twenty-five (25), in the subdivision of block five 
(5) in Bradley's subdivision of the west half (W. Vi) of 
the southeast quarter (S. E. V4) of section twelve (12), 
township twenty-six (26) north, range fifteen (15) west 
of the third principal meridian, in St. Louis County, 
Missouri, said abstract being as follows : 

1. A copy by St. Louis Title & Trust Company of 
an abstract by Thompson & Company, showing title 
from the United States Government and brought down 
to show title acquired by Joseph H. Bradley | by deed 
therein shown as No. 6. 

2. A copy by St. Louis Title & Trust Company of 
an abstract by Thompson & Company, which begins 
by assuming that Joseph H. Bradley acquired a good 
title by first deed therein shown, and shows title down 
to November 24, 1881. 

3. A copy by St. Louis Title & Trust Company of 
an abstract by St. Louis County Abstract Company from 
November 24, 1881, to August 10, 1892. 

4. A copy by St. Louis Title & Trust Company of 
an abstract by St. Louis County Abstract | Company 
from August 10, 1892, to September 4, 1898. 

5. An abstract by St. Louis Title & Trust Com- 
pany from September 4, 1892, to October 24, 1904. 

6. An abstract by St. Louis Title & Trust Com- 
pany from October 24, 1904, to June 24, 1907. 

From such an examination we are of the opinion 
that the title to the said lot on the last mentioned date, 



LAW 215 



as shown by said abstract, was good in George T. 
Koehler, subject to the following : 

I. To a trust deed from John S. Carberry to 
Robert I L. Paxton, dated February 11, 1903, and given 
to secure a note for $2,000, payable November 3, 1905, 
with interest at the rate of six per cent per annum, 
payable semi-annually. 

II. To the taxes for the years 1906 and 1907, and 
subsequent thereto. 

III. To the rights of all parties in possession of 
said premises. 

IV. To all rights, if any, to mechanics' liens. 
MEMORANDUM : If there are any improvements 

on said premises, you should see that the improvements, 
if any, upon adjoining premises, do not extend over on 
the premises in question, having | a survey made if 
necessary to determine these facts. 

NOTE: As shown by plat in said abstract, said 
lot is 30 x 140 feet deep to a 16-ft. alley, and is the third 
lot west of the southwest corner of Delmar avenue and 
Seventy-third street. 

Respectfully, (450) 



SPECIAL DICTATION WORK 
AND ABBREVIATIONS 



RUBICAM DICTATION STUDIES 219 



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RUBICAM DICTATION STUDIES 223 



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RUBICAM DICTATION STUDIES 227 



AGREEMENT 

THIS AGREEMENT, made and entered into this 

day of , 1911, by, and 

between SHIPLEY BROS. CONST. CO., party of the first 
part, and SMITHERS & MASON CONTRACTING 
AND BRICKLAYING CO., a corporation of the City 
of St. Louis and State of Missouri, party of the second 
part, WITNESSETH : 

WHEREAS, Shipley Bros. Const. Co. is the original 
contractor, with the Morgan Realty Co., for the construc- 
tion and erection of an eight-story-and-basement ware- 
house building, to be erected on the northwest corner 
of Sarah and Olive Sts., according to the plans, specifica- 
tions, and drawings prepared by Albert H. Willis, 
Architect, | the work of construction and erection all to 
be under the supervision of said above named Architect: 

NOW, THEREFORE, in consideration of the sum 

of , to be paid 

by the party of the first part; the party of the second part, 
Smithers & Mason Contracting and Bricklaying Co. cov- 
enants and agrees to furnish and erect all the Brick 
and Terra Cotta Work as shown on plans and called for 
in specifications for the building hereinbefore mentioned, 
and all of said work to be done and all materials to be 
furnished under the supervision and to the satisfaction 
of said Architect superintending | the construction and 
erection. All of the materials, labor, tools, scaffolding, 
and other things required for the doing of said work are 
to be furnished by and at the expense of the party of 
the second part. 

The party of the second part agrees to commence 
the work within five days after receiving notice from the 
party of the first part that the building is ready and to 
proceed with the work as rapidly as possible, so as not 



228 RUBICAM DICTATION STUDIES 



to cause any delay to the progress of the building, and 
to have all of said brickwork and terra cotta work | 
completed not later than June Sixteenth, Nineteen 
Hundred and Eleven, providing the building is ready to 
receive same, it being agreed that the said party of the 
second part shall forfeit the sum of Fifty Dollars liqui- 
dated damages for every day expiring after that date be- 
fore the completion of said work aforesaid, and this con- 
dition not to be made or rendered void by alterations 
and additional work being performed, but in such case 
the time shall be extended as shall be deemed proper by 
the Architect and party of the first part and agreed to 
by the party of | the second part, at the time of 
such extension. 

It is agreed and understood that the plans, specifi- 
cations and drawings are made for the construction and 
erection of the building hereinbefore mentioned by 
Albert H. Willis, Architect, a copy of which is on file in 
the office of said Architect; and it is further agreed that 
said plans, specifications, and drawings are made a part 
of this contract and shall have the same force and effect 
as if expressed herein. 

The Architect shall be at liberty to make any de- 
viation from, or alterations in, the plans, form of con- 
struction, detail and | execution, described by the draw- 
ings and specifications, without invalidating or rendering 
void this contract; and in case of any difference in the 
expense in this part of the work, the value of the work 
added or omitted shall be computed by the Architect 
and the party of the first part and agreed to by the party 
of the second part; and the amount so ascertained shall 
be added to or deducted from the contract price herein 
stated, and the decision of the Architect as to the 
amount shall be final. 



RUBICAM DICTATION STUDIES 229 

In case of a general strike in any branch of I the 
building trades which affects the progress of the work 
to be done under this contract, the party of the first 
part agrees to extend the time of completion for each 
and every day during said strike, after due notice has 
been served upon the party of the first part that such a 
strike exists, which notice must contain the certification 
of the Architect that the strike is such that an extension 
of time should be granted. 

IN WITNESS WHEREOF, we, the said parties, 

have hereunto set our hands and seals this 

day of. , Nineteen Hundred and Eleven, | 



(700) 



230 RUBICAM DICTATION STUDIES 



CHARACTER 

If you desire complete success, let me urge upon 
you, above all things, character. Character inspires 
confidence. It is the noblest possession a man can 
have. | Build upon it — it is a sound and solid foundation. 
And not only so, but it carries with it a power and 
influence that | always tells. It is a better legacy for 
your children than stocks and bonds. No money can 
measure its value, and no man can take | it away from 
you without your own consent. Character forms the 
ground work for a useful and successful life. 

Young men should see to it | that they sow good 
seed. "Whatsoever a man soweth, that shall he also 
reap." If you sow tares you will reap tares. 

If young men | would but consider how much their 
parents and friends are interested in their future, they 
would be stimulated to make for themselves character 
above suspicion | or reproach. The humblest person 
within the sound of my voice has father, mother, sister, 
or some one who feels a deep interest in his | welfare. 

Make for yourself a good name. The young man 
whose word cannot be believed, whose honesty is sus- 
pected, is not the man that the | business world has 
open places for. He will soon realize that, "A good 
name is rather to be chosen than great riches." It is 
difficult | to succeed without a good name. 

A safe means of building up character is to practice 
the virtues of frugality, industry, temperance, and 
honesty. It is | better to be honest than rich, and to 
maintain the honor and integrity of your own heart than 
to possess the wealth of an | Astor. 'Wealth is a bless- 
ing or a curse, as it is used for good or perverted for 
evil. 

I fear that too great an estimate | is placed upon 



RUBICAM DICTATION STUDIES 231 

wealth. Money is as dross when compared to knowl- 
edge and character. Merchants forget that knowledge 
is the food of the soul. They | seem too often to think 
that the acquisition of knowledge should be confined to 
literary and professional men. Those engrossed in 
commerce require recreation. | Let them but divert 
their minds from the pursuit of wealth for an hour each 
day, and devote that hour to the cultivation of the | in- 
tellect and social duties, and they will thereby not only 
improve their health, but will become well informed on 
all important subjects. Of course, they I must make a 
careful selection of books and then read them under- 
standing^. Make the Bible your daily study. It is the 
best book ever printed, | aside from its divine teachings. 

Strive as near as poor human nature will allow in 
all of your transactions to I do unto others as you would 
have them do unto you. Be true and honest in all the 
relations of life. Establish a reputation for | upright- 
ness, promptness, and fair dealing, and you are on the 
road to success. Let all your transactions be based on 
integrity of character, and make your | word as good as 
your bond. If you labor under disadvantages, overcome 
them by patient and untiring application. Work dili- 
gently while you have youth and | activity. Remember, 
there is much in starting right. One false step ruins the 
prospect of many a young man for life. What duty 
soever may | be assigned you, if it is sweeping the 
office, see to it that your work is well done. Neglect 
not any matters of detail, however | small, and strive to 
be accurate. Accuracy is a mark of good training. 

Method and punctuality are important traits and 
will enable you to accomplish | much to your satisfac- 
tion and to the satisfaction of those with whom you 
have business transactions. Without method and care 
the largest fortune will | go to waste. Never leave for 



232 RUBICAM DICTATION STUDIES 

tomorrow what should be done today, nor for another 
to do what ought to be done by yourself. 

Economy, | which is so important to the human 
family, seems a hard lesson for our people to learn. 

I do not mean that economy which only | looks to a 
saving of money, but economy which includes a prudent 
management of all the means by which property is 
saved | and accumulated, and more especially to a sav- 
ing of time and labor. Remember that economy is the 
parent of honesty, of independence and contentment. 

In | my visits to the Old World, I made a careful 
observation of the manners, customs, and habits of the 
people, both in Great Britain and | on the continent of 
Europe. I was impressed with the economy, order, and 
system practiced, not only in the commercial and bank- 
ing houses, but | by the people in all pursuits of 
life. (783) 



RUBICAM DICTATION STUDIES 233 



HOW TO FILE LETTERS 



For the ordinary office the most practical method of 
filing letters is a system partaking of both the numerical 
and alphabetical features. 

All frequent correspondents | should be indexed 
alphabetically by firm names in a special book, or card 
case, and numbered. Each communication from a 
regular correspondent should have its | indexed number 
written plainly on it before filing. In answering the 
letter the stenographer should write the same number 
in the upper left-hand corner | of the reply. 

The numerical system has the great advantage of 
keeping all correspondence from one firm in one division 
of the file. For instance, | if Thomas Meehan & Co. is 
numbered 187, all letters from him will be found 
together under number 187 in the filing case, no matter | 
whether the letter is written by the President or the 
Secretary of the company. 

Carbon or tissue copies should be made of all replies. 
The | letter and reply should be filed together in a cabinet 
under a division, or in a folder, with a number cor- 
responding to the one in | the index. 

For infrequent correspondents no method is simpler 
or better than the alphabetical. A copy of the reply 
should be attached to the letter | and filed alphabetically. 
It is a waste of time and space to give numbers to cor- 
respondents who do not write regularly. If an infre- 
quent correspondent | develops into a regular one, you 
can easily transfer his correspondence from the alpha- 
betical file to the numerical. 



234 RUBICAM DICTATION STUDIES 



Under the alphabetical system the Meehans, 
Melvilles, | etc., will ordinarilly be found in the same 
section, and should a letter be written to Mr. Naughton, 
Vice-President of Meehan & Co., the | letter may stray 
under division N of the file. 

In some offices letters are filed by subjects instead 
of names. The system is much the same, | except that 
numbers are not necessary. (306) 



RUBICAM DICTATION STUDIES 235 



ROSCOE CONKLING 

Intelligence, integrity, and courage are the great 
pillars that support states. Above all, the citizens 
of a free nation should honor brave and independent | 
men of stainless integrity, of will and intellectual force. 
Such men are Atlases, on whose mighty shoulders rests 
the great fabric of the Republic. Flatterers, | cringers, 
crawlers, time servers, are dangerous citizens of a 
democracy. They who gain applause and power by 
pandering to the mistakes, prejudices, and passions | of 
the multitudes are ever the enemies of liberty. Most 
people are slaves of habit, followers of custom, believers 
in the wisdom of the past; and were it not for brave 
and splendid souls, the dust of antique time would lie 
unswept, and mountainous error would be too highly 
heaped | for truth to overawe. Custom is a prison, 
locked and barred by those who long ago were dust, the 
keys of which are in | the keeping of the dead. Nothing 
is grander than when a strong man breaks the chains and 
levels the walls. The politician hastens to agree with | 
the majority, insists that their prejudice is patriotism, their 
ignorance, wisdom; not that he loves them, but because 
he loves himself. The statesman, the real I reformer, 
points out and laughs at their follies, denounces their 
cruelties, enlightens and enlarges their minds and con- 
sciences; not because he loves himself, but because | he 
loves and serves the right, and wishes to make his 
country great and free. He who refuses to stoop, who 
cannot be bribed by | the promise of success or the fear 
of failure, who walks the highway of right, and in dis- 
aster stands erect, is the only victor when | real history 
shall be written by the truthful and the wise. Those 
who bore the burden of defeat and kept their self-respect, 
who would not bow | to man or men for place or power ? 



236 RUBICAM DICTATION STUDIES 

will wear upon their brows the laurel mingled with the 
oak. 

Roscoe Conkling was an absolutely honest | man. 
He uttered the splendid truth that the higher obliga- 
tions among men are not set down in writing, signed 
and sealed, but reside in honor. He was the ideal 
representative, faithful and incorruptible. He believed 
that his constituents and his country were entitled to 
the fruit of his experience, to his best and highest | 
thoughts. No man ever held the standard of responsi- 
bility higher than he. He voted according to his judg- 
ment, his conscience. He made no bargains; | he neither 
bought nor sold. To correct evils, abolish abuses, and 
inaugurate reforms he believed was not only the duty 
but the privilege of the | legislator. He neither sold nor 
mortgaged himself. He was in Congress during years 
of vast expenditure and war and waste; when the credit 
of the | Nation was loaned to individuals, when claims 
were thick as leaves in June, when the amendment of a 
statute, the change of a single word, | meant millions, and 
when empires were given to corporations, he stood at 
the summit of his power, the peer of the greatest of 
leaders, tried | and trusted. No corporation was great 
enough to purchase him. His vote could not be bought. 
His hand 'was never touched by any bribe; on | his soul 
there was never a sordid stain. Poverty was his price- 
less crown. Above his marvelous intellectual gifts, 
above all places he ever reached, above the | ermine he 
refused, rises his integrity; like some great mountain 
peak it stands, firm as the earth beneath, pure as the 
stars above. He was an orator, earnest, | logical, in- 
tense, and picturesque. He laid the foundation with 
care, with accuracy and skill, and rose by "cold grada- 
tion and well balanced | form" from the corner stone of 
his statement to the domed conclusion. He filled the 



RUBICAM DICTATION STUDIES 237 

stage; he gladdened the eyes of his audience. He | had 
that indefinable thing called presence. Tall, command- 
ing, erect, ample in speech, graceful in compliment, Ti- 
tanic in denunciation; rich in illustration, prodigal j oi 
comparison and metaphor, his measured sentences fell 
like music on the enraptured throng. He had a pro- 
found aversion for those who insist | on putting a base 
motive back of the good deeds of others. He wore no 
mask. He knew his friends. His enemies knew him. 
He | had no patience with pretense, with patriotic 
reasons for unmanly acts. He did his work well and 
bravely, and spoke his thoughts. Sensitive | to the last 
degree, he keenly felt the blows and stabs of the envious 
and obscure, and the small blows of the weakest; but 
the greatest could not drive him from his convictions. 
He would ) not stoop to ask or give explanations; he left 
his words and deeds to justify themselves. He held in 
light esteem the friends who [ heard with half-believing 
ear the slander of a foe. He walked a highway of his 
own, and kept the company of his own self-respect. 

He | would not turn aside to avoid a foe, to greet or 
gain a friend. In his nature there was no compromise. 
To him there were | but two paths, the right and the 
wrong. He was misrepresented and misunderstood, 
but he would not answer. He knew that character 
spoke louder than | words. He was as silent then as he 
is now, and his silence, better than any form of speech, 
refuted every charge. He was an American, | proud of 
his country, that was and ever will be proud of him. 
He did not find perfections only in other lands. He 
did not | grow small and shrunken, withered and apolo- 
getic, in the presence of those upon whom greatness had 
been thrust by chance. He could not be overawed by 
dukes or lords, | or flattered into subserviency by the 
patronizing smiles of kings. In the midst of convention- 



238 RUBICAM DICTATION STUDIES 

alities he had a feeling of suffocation. He believed in 
the | royalty of man, in the sovereignty of the citizen, 
and in the matchless greatness of the Republic. He was 
of a classic mold, a figure from | the antique world. He 
had the pose of great statues, the pride and bearing of 
the intellectual Greek, of the conquering Roman ; and he 
stood | in the free air as though in his veins there flowed 
the blood of a hundred kings. And as he lived he died. 
Proudly he | entered the darkness, or the dawn, we call 
death. Unshrinkingly he passed beyond the horizon, 
beyond the twilight's purple hills, beyond the utmost 
reach of human | harm or help, to that vast realm of 
silence or joy, where the innumerable dwell ; and he has 
left with us his wealth of thought and deed, the memory 
of a brave, | honest man, who bowed alone to death. 

(1132) 



RUBICAM DICTATION STUDIES 



239 



ABBREVIATIONS 



Afternoon, p. m. 
Account, acct., a/c 
Advertisement, adv. 
Agent, Agt. 
All right, O. K. 
Amount, amt. 
And so forth, etc. 
Ante meridian, a. m. 
Assistant, Asst. 
Attorney, Atty. 
Avenue, Ave. 
After Christ, A. D. 

B 

Balance, bal. 
Barrel, bbl. 
Before noon, a. m. 
Bill of Lading, B/L 
Before Christ, B. C. 
Brothers, Bros. 
Building, Bldg. 
By way of, via 

C 

Care of, c/o 
Carload, C/L, 
Carrier's Risk, C. R. 
Charges, Insurance and 

Freight, c. i. f. 
Claim Sheet, C/S 
Colonel, Col. 
Company, Co. 
Credit, cr. 
Collect on Delivery, C. O. D 



Debtor, dr. 

Deadhead, D. H. 

Dray Ticket, D/T 

Ditto, do. 

Doctor of Divinity, D. D. 

Doctor of Medicine, M. D. 

E 

East, E. 
Esquire, Esq. 
Et cetera, etc. 
Expense Bill, E/B 



Feet, ft. 

Free on Board, f. o. b. 



Gallon, gal. 
Governor, Gov. 

H 

Honorable, Hon. 
Hundredweight, cwt. 



Inch, in. 
Instant, inst. 

Junior, Jr. 



240 



RUBICAM DICTATION STUDIES 



M 

Manufacturing, mfg. 
Manuscript, MS. 
Member of Congress, M. C. 
Memorandum, memo. 
Mister, Mr. 
Mistress, Mrs. 
Messieurs, Messrs. 
Month, mo. 
Manager, Mgr. 



N 



Namely, viz. 
North, N. 
Number, no. 



Owner's Risk, O. R. 
Overcharge, O. C. 



Post Office, P. O. 
Post Office Order, P. O. O. 
Post meridian, p. m. 
Postmaster, P. M. 
Postscript, P. S. 
Pound, lb. 
President, Pres. 
Proximo, prox. 



Railroad, R. R. 
Railway, Ry. 
Reverend. Rev. 



Secretary, Sec'y- 
Senior, Sr. 
South, S. 
Steamship, S. S. 
Street, St. 
Superintendent, Supt. 



Take notice, N. B. 
Territory, Ter. 
That is, i. e. 
Treasurer, Treas. 

U 

United States, U. S. 
Ultimo, ult. 

V 

Volume, vol. 

Vice President, V. Pres. 

W 

Way Bill, W/B. 
West, W. 



Quart, qt. 
Quarter, qr. 



Yard, yd. 



RUBICAM DICTATION STUDIES 



241 



STATES 



Alabama, Ala. 
Alaska, Alaska. 
Arizona, Ariz. 
Arkansas, Ark. 
California, Cal. 
Colorado, Colo. 
Connecticut, Conn. 
Delaware, Del. 
Florida, Fla. 
Georgia, Ga. 
Idaho, Idaho. 
Illinois, 111. 
Indiana, Ind. 
Iowa, Iowa. 
Kansas, Kan. 
Kentucky, Ky. 
Louisiana, La. 
Maine, Me. 
Maryland, Md. 
Massachusetts, Mass. 
Michigan, Mich. 
Minnesota, Minn. 
Mississippi, Miss. 
Missouri, Mo. 
Montana, Mont. 



Nebraska, Neb. 
Nevada, Nev. 
New Hampshire, N. H. 
New Jersey, N. J. 
New Mexico, N. Mex. 
New York, N. Y. 
North Carolina, N. C. 
North Dakota, N. Dak. 
Ohio, Ohio. 
Oklahoma, Okla. 
Oregon, Ore. 
Pennsylvania, Pa. 
Rhode Island, R. I. 
South Carolina, S. C. 
South Dakota, S. Dak. 
Tennessee, Tenn. 
Texas, Tex. 
Utah, Utah. 
Vermont, Vt. 
Virginia, Va. 
Washington, Wash. 
West Virginia, W. Va. 
Wisconsin, Wis. 
Wyoming, Wy. 



MONTHS 



January, Jan. 
February, Feb. 
March, Mar. 
April, Apr. 
May, May. 
June, June. 



July, July. 
August, Aug. 
September, Sept. 
October, Oct. 
November, Nov. 
December, Dec. 



SEP 8 ,9 " 



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